bigger picture broking
The New Budget& Your Property
Our detailed report goes through what the new budget, and its reform of negative gearing and CGT, means for your property plans.
Are you prepared for the future?
What's inside
Chris's Comprehensive
Analysis
Australia's leading broker provides the analytical breakdown of what these changes mean for you, and how you can best navigate the new market it will create.
Policy Analysis
Detailed breakdown of expected negative gearing restrictions and CGT discount changes effective from Budget night.
Investor Resale Shock Score
A transparent 0-100 composite ranking markets by combined exposure to the 2026 reform scenario.
Market-by-Market Assessment
State-by-state analysis of high-exposure and resilient clusters with specific suburb-level insights.
Strategic Guidance
Practical frameworks for mortgage strategists advising high-income households through this transition.
The practical guidance
For high-income clients, lean toward what might be called "boringly excellent" property: established, land-rich, in a deep owner-occupier-led market, with good schools, transport and amenity.
This is where investor exit, if it happens, is absorbed quickly by owner-occupier demand at modest spread.
Key findings
The numbers behind the risk
Investor lending has risen from 24% in mid-2020 to a decade high by December 2025.
Mortgage brokers now originate the vast majority of residential loans, with 52% of investors citing brokers as their top adviser.
Investors are increasingly buying beyond their home state, with 48% targeting sub-$700,000 properties.
According to PIPA 2025, a significant portion of current investors would reconsider their holdings.
Book a free, no-obligation chat
Good broking is more than transactions; it's about understanding client goals, navigating complexities, and crafting personalised strategies.