Spice Finance

The best buyers I work with all have one thing in common…
And it has nothing to do with finding the right property. 👇

AustralianProperty

FIFO contractor? This one’s for you.
Banks don’t assess your income the same way once you’re on an ABN.

Employee = couple of payslips, done.

Contractor = two years of tax returns… and then they average them.

Went from $90k to $150k? Bank might only use $120k.
Same work. Same site. Less borrowing capacity.

Been contracting less than two years? Some lenders won’t even look at it yet.

It’s not a deal breaker — you just need the right lender and the right timing.

Talk to someone before you apply, not after 👇
Are you FIFO employee or contractor? Drop it below ⬇️

HomeLoans

Everyone’s talking about negative gearing...

But here’s what I think everyone is missing 👇

Stamp duty makes up more than 20% of state government tax revenue.

If investors hold property longer and fewer homes sell...
Less stamp duty gets collected.
And if governments collect less money?
They’ll need to find it somewhere else.
Higher land tax?
Changes to first home buyer incentives?
A whole new property tax system?

While everyone is debating negative gearing, I’m watching what the states do next.

Because that could affect every property owner in Australia.

What’s your prediction? Will stamp duty still exist in 10 years? 👇

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