Founder & CEO, MyBrix
Brian Stevens is the Founder and CEO of MyBrix, with decades of experience in finance and property. His understanding of the property market and financial services landscape shapes MyBrix's approach to fractional property funding and investment.
LinkedIn profileBrian writes general information only — not personal financial advice.
Sell an investment property below its cost base for a capital loss — usable only against capital gains, carried forward, and unchanged by the 2027 reform.
From 1 July 2027 the 50% CGT discount ends for most investors, CPI cost-base indexation returns and a 30% minimum tax applies. Here's what changes.
New residential dwellings are carved out of 2027's CGT changes: they keep the 50% discount and sit outside the 30% minimum tax. What qualifies isn't set.
From 1 July 2027, CPI cost-base indexation returns for individuals, trusts and partnerships, replacing the 50% discount. Here is the enacted method.
For CGT events from 1 July 2027, CPI cost-base indexation replaces the flat 50% discount for individuals — new residential dwellings excepted.
From 1 July 2027, a new Division 119 sets a 30% minimum tax — a floor, not a flat rate — on certain residential and non-residential capital gains.
Fixed rates lock your repayment for a set term; variable rates can move at any time. The definitions, the trade-off, and what stays the same.
Guarantor loans aren't legally limited to owner-occupied homes, but lender policy on investment purchases varies — and grants are usually forfeited.
How a guarantor home loan works in Australia, the risks to the guarantor, and why both parties need independent advice before agreeing to one.
Three verified ways Australian buyers can avoid or reduce LMI — a 20% deposit, a guarantee, or the Home Guarantee Scheme. Options, not advice.
Can you get a home loan on probation? It depends on the lender — how RG 209 income-stability assessment actually works.
How lenders assess casual, part-time, commission, bonus and overtime income under RG 209 — framework only, not lender policy.
A default is one item on your credit file, not an automatic block. How lenders assess the whole picture, and where to get free help first.
HEM is a benchmark lenders use to sanity-check declared living expenses — not a substitute for verifying what you actually spend. Here's how it works.
Clearing a debt removes it from a lender's assessment but uses cash you might need. The trade-offs to weigh — including credit cards — no verdict.
HECS-HELP debt is income-contingent and indexed, not a typical loan — how it's actually weighed in a home loan borrowing capacity assessment.
There's no single answer — a $100k salary doesn't map to one borrowing figure. Here's what actually moves the outcome, and where to get your number.
Each First Home Owner Grant carries its own residence rule and its own consequence for breaking it — what's confirmed, state by state, as at July 2026.
Yes, in most cases — how the $30,000 QLD First Home Owner Grant treats a house and land package, and the separate QLD duty position, as at July 2026.
How the Help to Buy shared equity scheme works: the 2% deposit, the Commonwealth's equity share, income and price caps, as at July 2026.
How the NSW First Home Buyers Assistance Scheme duty concession works, who qualifies, and what to check before applying. Not the FHOG — a duty scheme.
FHOG eligibility rules by state and territory: property type, residence requirements and how to apply. Amounts summarised; full table linked.
The Home Guarantee Scheme's property price caps for all eight states and territories in one table, current as at July 2026.
How the First Home Guarantee lets eligible buyers purchase with a 5% deposit by guaranteeing part of the loan instead of charging LMI.
There's no single required system for budgeting toward a deposit. Compare common approaches, tools and trade-offs — without a one-size timeline.
No standard lender product is verified at a 3% deposit. Sub-5% deposits mainly come through government schemes — here's how they work.
A family guarantee lets a parent's equity secure part of your loan — but it puts their property at risk. How it works, and what to ask first.
ABS median established house prices by capital city, with the 20% benchmark deposit worked out for each — and why 20% isn't compulsory.
A personal loan deposit usually fails the genuine savings test and its repayments count against your borrowing capacity — how both effects work.
There's no single yes or no on FHSS — the factors that decide it for you, and why a registered tax agent is the right person to weigh them.
You can't dip into your super balance for a deposit — FHSS releases only voluntary contributions, capped at $15,000 a year, $50,000 total.
'Genuine savings' isn't a legal term — it's a lender policy that varies bank to bank. The framework, what's commonly weighed, and how to check.
A 5% deposit can buy a home in Australia via LMI, the Home Guarantee Scheme or Help to Buy — how each path works, the caps, and the trade-offs.
Moving out and renting a home you've lived in can reset your CGT cost base to its market value on the day it first earned income. Here's how that works.
The six-year rule lets you treat a former home as your main residence for CGT while it's rented out, keeping the exemption alive, subject to conditions.
How brokers and financial planners refer clients to non-loan property funding — referral touchpoints, professional obligations and what to check first.
CGT is income tax on the profit from selling a property: capital proceeds minus cost base equals your capital gain. Here is how each part works.
Who can raise funding against their property with MyBrix — the property and minimum-holding criteria in the PDS, and how eligibility is confirmed.
The risks of home equity release by route — reverse mortgage, home reversion, HEAS and fractional funding — and their effect on pension, tax and estate.
What's known — and what isn't yet public — about how a MyBrix fractional funding arrangement is handled after the owner's death, plus where to get advice.
You can sell any time — net proceeds split proportionally across all Brix holders after a 5% selling management fee. Detail beyond that isn't public.
Whether money from selling a fractional share of your home is taxed turns on unsettled CGT questions — the framework, the gap, and where to get advice.
Home reversion sells a share of your home's future value at a discount; a reverse mortgage is a compounding loan. How they differ, and where MyBrix sits.
No — you stay the registered legal owner, keep occupancy, and can sell or buy back Brix anytime. But renting the home out needs MyBrix's approval.
Four ways to fund a renovation without adding to your home loan — savings or offset, a personal or construction loan, a fractional sale, or a HEAS advance.
How the Home Equity Access Scheme (HEAS) works: eligibility, fortnightly and lump-sum caps, the interest rate, and where it sits among private options.
How a reverse mortgage's compounding loan compares with selling a share of your home — costs, ownership, protections and exits, side by side.
Six ways to raise money from your home without an outright sale — refinancing, reverse mortgage, HEAS, home reversion, fractional funding and downsizing.
Four non-debt ways to access home equity — home reversion, shared equity, fractional sale and downsizing — and how they compare with loan options.
MyBrix divides a listed property into 10,000 Brix — fractional economic interests investors can buy while the owner stays on title (as at July 2026).
A PDS discloses a product's features, fees, risks and complaints process; a TMD names who it's built for. What to read in each before investing.
It depends on two gates: Australia's foreign investment (FIRB) rules and each platform's own eligibility terms. Here is what non-residents can check.
What you keep if a fractional platform fails depends on structure: security on title, trust arrangements, disclosure — what's known and what isn't.
Every platform sets its own fees, disclosed in its PDS. The fee types to look for, plus MyBrix's complete schedule as at July 2026.
Whether an SMSF can hold fractional property interests depends on super's rules, the fund's strategy and the platform's terms. The framework, explained.
Syndicates pool investors in an unlisted scheme, crowdfunding raises money online, fractional investing holds an interest in one property you choose.
One property with a deposit, a loan and full control — or small stakes with no borrowing. The trade-offs of outright vs fractional property, compared.
Fractional property investing carries market, liquidity, platform and concentration risk, plus exit costs. Each risk explained plainly, with the figures.
Yes — where fractional interests are financial products, as MyBrix's Brix are, Corporations Act retail protections apply. Structures differ — how to check.
A REIT holds a portfolio chosen by a fund manager; fractional investing holds an interest in one property you choose. Liquidity, fees and tax compared.
