Presidio Finance Consulting

Presidio Finance Consulting Presidio Finance Consulting is is part of the Presidio Group of financial services. Experts in Prop

Presidio Finance Consulting is part of the Presidio Group specialising in:
Financial Advice
Property Advice
Credit/ Finance Advice

After the updates in the recent Federal Budget, including income tax reforms due to take effect from 1 July 2026, many A...
22/06/2026

After the updates in the recent Federal Budget, including income tax reforms due to take effect from 1 July 2026, many Australians may be taking a fresh look at their finances.

For some, this may include reviewing their current cash flow and existing debt commitments to see whether any adjustments could help simplify their financial position.

What is cash flow?
Cash flow is simply the balance between what’s coming in and what’s going out. When debt repayments are placing pressure on that balance, it can make managing everyday expenses more challenging.

What is debt consolidation?
Debt consolidation is the process of combining multiple debt repayments into one. Depending on your circumstances, this may help simplify your repayments and could have a positive impact on your overall cash flow position.

Debt consolidation is not a one-size-fits-all solution, so it’s important to consider your current loan structure, business goals, repayment capacity and any costs involved before making changes.

Rather than navigating it alone, I can help you look through your options and support throughout the process, from application through to settlement.

If this is something you’ve been thinking about, feel free to get in touch – we’re here to help.

One of the most common misconceptions about getting a home loan when you're self-employed is that you need two full year...
18/06/2026

One of the most common misconceptions about getting a home loan when you're self-employed is that you need two full years of financials before any lender will consider you. That's not always the case.

Some specialist lenders will look at applications with as little as 6 to 12 months of ABN history, depending on your deposit, credit history, and the consistency of your income. And if standard documentation isn't available, alt doc loans can offer a genuine pathway using bank statements, BAS, or an accountant's letter instead.

Being self-employed does add some steps to the process, but with the right preparation and the right broker in your corner, it's very much achievable.

This article walks through your options and how to put yourself in the strongest position before applying.

Read our recent article here: https://presidiogroup.com.au/self-employed-home-loan-options-australia/

The Reserve Bank of Australia (RBA) has held the cash rate steady at 4.35% at its June meeting, giving mortgage holders ...
16/06/2026

The Reserve Bank of Australia (RBA) has held the cash rate steady at 4.35% at its June meeting, giving mortgage holders a moment to catch their breath after three consecutive increases earlier this year.

The decision to pause reflects a more cautious approach from the board as it waits to see how the economy responds to the rate rises already in place.

Annual headline inflation eased from 4.6% in March to 4.2% in April. Meanwhile, the trimmed mean, which is the RBA’s preferred measure of underlying inflation, nudged up from 3.3% in March to 3.4% in April.

RBA governor Michele Bullock recently said higher interest rates were working, but struggling households could face up to two more years of cost-of-living pain.

“These increases have been necessary to tighten financial conditions and slow growth in demand in the economy to ensure we get on top of inflation,” she said.

“We have already seen some signs that this tightening has worked, but it will take one to two years for the full effects to flow through the economy.”

“Now I recognise this is a difficult time for many households facing cost-of-living pressures, but it is important we bring inflation under control.”

If your repayments are starting to feel like a stretch, it’s important to get in touch before you get into financial hardship territory. Over 1.4 million Australian mortgage holders are currently at risk of mortgage stress, but many don’t realise that switching lenders, or even just negotiating with your current one, could make a meaningful difference to your monthly bottom line.

That’s where we come in. We’ll compare the market on your behalf and find a home loan that works for your financial situation and goals.

The next cash rate decision lands on 11 August. Opinions are divided on what comes next, with some leading economists now predicting a prolonged pause on interest rates. We’ll keep you updated in the coming months.

The recent Federal Budget has included several measures designed to put more money back in the pockets of working Austra...
15/06/2026

The recent Federal Budget has included several measures designed to put more money back in the pockets of working Australians. For some people, that may prompt a fresh look at plans they have been putting off.

With income tax reforms taking effect from 1 July 2026, including a $1,000 instant tax deduction for work-related expenses and a $250 Working Australians Tax Offset, some people may find themselves in a position to revisit plans they’ve been putting off.

Whether it’s consolidating debts, purchasing a car, making home improvements, covering education costs or funding another major expense, the right personal loan structure can make a difference.

As your broker, I can help you compare personal loan options across a range of lenders and can help you compare what’s available based on your circumstances, from application through to settlement.

If something is on your radar this year, please contact us and let’s explore what may be available for you.

It's the question a lot of buyers and investors are sitting with right now. Have property prices peaked?National growth ...
12/06/2026

It's the question a lot of buyers and investors are sitting with right now. Have property prices peaked?

National growth slowed to just 0.3% in April, the softest result since January 2025. Sydney and Melbourne have eased back, while Perth, Brisbane, and Adelaide are still moving forward at a steadier pace. Regional markets are holding up well too, growing at more than double the pace of capital cities over the first four months of 2026.

The Federal Budget changes to negative gearing and CGT add another layer worth understanding, particularly for investors considering established properties.

Whether now is the right time to buy depends on your situation, goals, and financial position. This article walks through the latest data to help you think it through.

Read our recent article here: https://presidiogroup.com.au/have-we-reached-the-peak-in-property-prices/

30 June is almost here. If you own an investment property, now is a good time to make sure everything is in order before...
03/06/2026

30 June is almost here. If you own an investment property, now is a good time to make sure everything is in order before the financial year closes.

This year, there's an added reason to take stock. The Federal Budget introduced changes to negative gearing and capital gains tax treatment that will take effect from 1 July 2027. Existing properties are grandfathered, but if you're planning your next move, the details matter.

Beyond the budget changes, the key areas worth reviewing before 30 June include your rental income, property expenses, which deductions apply to you, whether you have a depreciation schedule in place, and how your loan is structured, given the cash rate now sits at 4.35%.

A bit of preparation now can make a real difference at tax time.

Read our full checklist here: https://presidiogroup.com.au/get-eofy-ready-as-a-property-investor/

Budget 2026 - Self-employed and SMEThe Federal Budget has just been announced and, for self-employed Australians and sma...
02/06/2026

Budget 2026 - Self-employed and SME

The Federal Budget has just been announced and, for self-employed Australians and small business owners, there are some meaningful changes worth knowing about.

Here are a few key points to consider:

• Buy equipment or assets now – and claim the full cost this year: The $20,000 instant asset write-off is now permanent for businesses with turnover up to $10 million. Eligible businesses can immediately deduct the cost of new or second-hand assets instead of depreciating them over time.

• Less paperwork at tax time: A new $1,000 instant tax deduction lets individuals and sole traders claim work-related expenses without the receipt hassle. There’s also a new $250 Working Australians Tax Offset (WATO) delivering tax relief from 1 July 2027. Together, they’re designed to cut paperwork and simplify tax time.

• More support if your business has had a tough year: From 1 July 2026, companies with annual global turnover of up to $1 billion will be able to apply tax losses for the previous two years. Startups and early-stage businesses will also get a new loss refundability measure from 1 July 2028, offering them extra support.

If you’re looking to invest in your business, whether it’s through new equipment, making the most of your business expenses or simply putting more time into helping clients, we can help you access Australia’s leading lenders and support your ambitions.

Please contact us to explore how we can help your business grow even further.

May has been a big month for Australian property. The RBA raised the cash rate to 4.35%, its third consecutive increase ...
27/05/2026

May has been a big month for Australian property. The RBA raised the cash rate to 4.35%, its third consecutive increase this year, and the Federal Budget landed with some significant changes for investors and buyers.

For investors, negative gearing on established properties will no longer be deductible against regular income from 1 July 2027, and CGT treatment is moving to an inflation-adjusted model with a 30% minimum rate. Properties held before 12 May 2026 are exempt from the negative gearing changes.

For first home buyers, the 5% deposit Home Guarantee Scheme continues and $2 billion has been committed to housing infrastructure. The income tax cuts and new $1,000 standard deduction are also worth knowing about.

On the market itself, national home values grew just 0.3% in April, the slowest pace in over a year. Queensland and Western Australia continue to lead, while Sydney and Melbourne saw values ease.

Read our recent article here: https://presidiogroup.com.au/may-2026-property-update-federal-budget-rate-rises/

Found your next home but haven't sold it yet? That timing gap is one of the most common challenges in property.A bridgin...
26/05/2026

Found your next home but haven't sold it yet? That timing gap is one of the most common challenges in property.

A bridging loan is designed to cover exactly that situation. It lets you buy your next property before your existing one sells, using the equity in your current home to support the purchase. Once your property sells, the proceeds reduce the loan, leaving you with a standard mortgage on the new place.

It's not the right fit for everyone, but for buyers with sufficient equity and a clear plan to sell, it can offer real flexibility in a fast-moving market.

Our recent article explains how bridging loans work, what lenders assess, and the key considerations before going down that path.

Read it here: https://presidiogroup.com.au/buying-before-you-sell-bridging-loans-explained/

The Federal Budget introduced some important changes for property investors, but the impact will differ depending on whe...
26/05/2026

The Federal Budget introduced some important changes for property investors, but the impact will differ depending on when you bought or plan to buy.

If you’re thinking about buying an investment property –

From 1 July 2027, two key changes will apply to new residential property investments:

• Negative gearing on established properties will no longer be deductible against your regular income. New builds will remain exempt and will continue to attract the existing 50% capital gains tax discount.
• Capital gains tax (CGT) treatment will also move to an inflation-adjusted model with a 30% minimum tax rate.

If you already own an investment property –

The impact of these changes on existing investments will be limited:

• Properties held before the announcement (7:30pm AEST, 12 May 2026) will be exempt from the negative gearing changes.
• The CGT reforms will only apply to gains accruing after 1 July 2027.

If you’re considering a future purchase, it may be worth understanding how these changes could affect your strategy, borrowing capacity and the type of property you choose to buy.

Feel free to reach out – we’d be happy to talk through what this could mean for your next move.

Address

Level 1, 32 Logan Road
Brisbane, QLD
4102

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Website

Alerts

Be the first to know and let us send you an email when Presidio Finance Consulting posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Presidio Finance Consulting:

Shortcuts

Featured

Share

Category