Thanks. Now let's map your options.

Whether the change affects you depends on your situation. When you're ready, pick a time for a 15 minute call and we'll work through it together.

What we'll cover on the call

Grandfathered or exposed

A clear read on which of your plans or properties sit on which side of the 12 May 2026 line.

New build versus established, for you

How the two stack up given your income and goals, with the cashflow and finance side mapped out properly.

The finance and lender fit

What's achievable across the lender panel, and how to structure the borrowing around your plan.

An honest answer

If a new build isn't the right move for you, I'll say so. Anything tax or structure specific, I'll flag for you to confirm with your accountant.

No rush, no obligation The aim of the call is for you to leave with a clear picture, nothing more. If now is the right time to act, great. If it's not, that's just as useful to know. There's no point rushing a decision this size.

Pick a time that suits you, 15 minute call

General advice and general information only. This page relates to a publicly announced Federal Budget measure and is general in nature. It does not take into account your personal objectives, financial situation or needs, and is not credit assistance, financial product advice, or tax advice. Tax outcomes depend on your circumstances. Speak to a registered tax agent or accountant before acting, and seek your own advice on structures such as trusts and self managed super funds. Negative gearing and capital gains tax measures are as announced in the Federal Budget 2026 to 27 and may change as legislation is finalised. See budget.gov.au for the source. Lending is subject to lender criteria, serviceability and approval.

Ross McFarlane, Credit Representative 526725 of Australian Associated Advisers Pty Ltd t/a Keylend, Australian Credit Licence 392169. MFAA member. Member of the Australian Financial Complaints Authority (AFCA 78297).

Licensing: © 2026 How To Home Loan. Ross McFarlane is a Credit Representative (526725) of Australian Associated Advisers Pty Ltd trading as Keylend, Australian Credit Licence 392169. Member of the MFAA. External dispute resolution: Australian Financial Complaints Authority (AFCA), member 78297.

General information only. Nothing on this page constitutes financial or credit advice. Your full financial situation and objectives have not been considered. Lending criteria, fees and eligibility requirements apply and are subject to lender assessment.