Tax & Reform
What Is the Time-Apportionment Method for Transitional CGT in Australia?
The time-apportionment method is the 2027 CGT transition's alternative to a market value — but its detail sits in an instrument unmade as at July 2026.
Fadi Alkatut
Co-Founder & CTO, MyBrix
Fadi Alkatut is the Co-Founder and CTO of MyBrix, and the technology architect behind its blockchain-secured platform. He leads the engineering team building the infrastructure that makes fractional property ownership possible at scale.
LinkedIn profileFadi writes general information only — not personal financial advice.
Articles by Fadi
Tax & Reform
Are Pre-CGT (Pre-1985) Properties Subject to the New 2027 Tax Rules?
Pre-CGT properties acquired before 20 September 1985 stay exempt for gains up to 1 July 2027; gains from that date enter the CGT net.
Tax & Reform
Do the 2027 CGT Rules Require a Property Valuation by 30 June 2027?
The enacted 2027 CGT rules set a transition for property held at 30 June 2027 — a market value is one method, apportionment the other, not a blanket rule.
Tax & Reform
How the Split-Era CGT Calculation Works for Property Held Across 1 July 2027
Property held across 1 July 2027 is treated as sold at market value just before that date and reacquired just after, splitting the gain into two tax eras.
First Home Buyers
Can a Guarantor Be Removed From My Mortgage, and How?
Yes, a guarantor can be released later — but not automatically. How release conditions generally work, and why timing isn't guaranteed.
First Home Buyers
Who Can Be a Guarantor for a First Home Loan in Australia?
Guarantor eligibility for a first home loan is set by each lender, not by law — what a guarantor takes on, and why criteria vary bank to bank.
First Home Buyers
How Much Does LMI Cost on a $700,000 Home With a 10% Deposit?
There's no published fixed LMI cost for a $700,000 home at 10% deposit — here's what actually drives the premium, and where to get a real number.
First Home Buyers
What is Lenders Mortgage Insurance (LMI) and how does it work?
What Lenders Mortgage Insurance is, who it protects, when it applies above 80% LVR, and why the premium isn't one-size-fits-all.
First Home Buyers
What is the 'interest rate buffer' banks use to test my borrowing capacity?
The interest rate buffer is a margin lenders add to your loan rate to test if you could still pay if rates rose — the minimum is 3.0 percentage points.
First Home Buyers
How does my credit score affect my chance of getting a home loan in Australia?
Your credit score is one input a lender weighs, not a pass/fail number. What it can and can't tell a lender, and what else gets assessed.
First Home Buyers
How do existing debts affect your home loan borrowing capacity?
Credit cards, BNPL, car and personal loans are all weighed in a serviceability assessment — the mechanism explained, without inventing a figure.
First Home Buyers
How do Australian banks calculate my borrowing capacity?
There's no single formula — see the inputs banks actually weigh: income, existing debts, expenses and the interest rate buffer.
First Home Buyers
Are There Stamp Duty Exemptions for Vacant Land Purchases in Queensland?
Yes — from 1 May 2025 Queensland charges nil transfer duty on eligible vacant land for a first home, with no value cap. Here's how it works.
First Home Buyers
Residency and visa status: who qualifies for first home buyer grants
Citizenship and PR tests for first home buyer grants differ by scheme and by state — what's verified, what isn't, and where New Zealand citizens stand.
First Home Buyers
First home buyer stamp duty concessions by state
How first home buyer stamp duty concessions differ across all 8 states and territories — thresholds, property-type rules, and where to check your own.
First Home Buyers
Do I qualify for the First Home Guarantee scheme?
The First Home Guarantee eligibility criteria in full, including the confirmed no-income-caps position as at July 2026.
First Home Buyers
What First Home Buyer Grants Are Available in Australia?
Every state and territory runs its own First Home Owner Grant, with amounts from $0 to $50,000. See the full state-by-state breakdown, as at July 2026.
First Home Buyers
How Do Banks View Cryptocurrency Gains When Assessing My Savings?
Crypto gains raise two separate questions for a home deposit: will a lender count the funds, and what tax applies. What's verified, and what isn't.
First Home Buyers
Can I Use a Cash Gift From My Parents as a House Deposit in Australia?
Yes — but lenders may want proof it's a genuine gift, and a parent's gift can raise separate tax and Centrelink questions worth checking first.
First Home Buyers
How Does the First Home Super Saver (FHSS) Scheme Work?
The FHSS scheme lets first home buyers save inside super — contribution caps, the release formula, and the steps to withdraw it for a deposit.
Tax & Reform
Does Capital Gains Tax Apply If I Transfer an Investment Property to a Family Member?
Yes — transferring an investment property to a family member is a CGT event. What's settled, what's flagged for verification, and where a tax agent fits.
First Home Buyers
How Much Deposit Do I Really Need to Buy a First Home in Australia?
There is no single deposit figure for a first home in Australia — what you need depends on LVR, lenders mortgage insurance, schemes and guarantors.
Tax & Reform
Does Joint Ownership Affect My Capital Gains Tax Liability in Australia?
Yes. Each co-owner is assessed on their own share of a capital gain, set by their legal ownership interest on the title — not who paid or who lives there.
Funding Your Property
Can I Buy Back the Share of My Home I Sold?
Yes — MyBrix owners can buy back Brix any time at a price agreed before listing, and must settle what's left by term end.
Funding Your Property
Can Retirees Access Home Equity Without Income Requirements?
Which ways to access home equity skip an income test for retirees — home reversion, fractional sale, HEAS and reverse mortgages compared.
Funding Your Property
How Does Selling a Share of My Home Affect My Age Pension?
How selling a share of your home interacts with Age Pension assets and income tests, and why Services Australia's Financial Information Service matters.
Funding Your Property
What Does Equity Release Really Cost Over the Long Term?
How equity release costs behave over time — a reverse mortgage or HEAS compounds debt; home reversion and a fractional sale cost a share of future value.
Funding Your Property
Can I Access Home Equity If the Bank Won't Refinance Me?
Declined a refinance? Fractional sale, home reversion and the Home Equity Access Scheme — three equity routes that don't hinge on serviceability.
Funding Your Property
What Is Fractional Property Funding? Selling a Share of Your Home, Explained
Selling fractional economic interests in your property — Brix on MyBrix — to raise funds without a loan. Mechanics, costs, control and buyback.
Fractional Investing
Fractional Property Investing Glossary: Brix, PDS, TMD and Other Key Terms Explained
Brix, NestEgg, PDS, TMD, AFSL, early exit fee — the terms that come up most in fractional property investing, defined in one place (as at July 2026).
Fractional Investing
Is Fractional Investing a Way to Get Property Exposure While Saving a Deposit?
Fractional investing can add property exposure to savings, but Brix liquidity limits and exit fees cut against the ready access a deposit fund needs.
Fractional Investing
How Do I Evaluate Whether a Fractional Property Platform Is Trustworthy?
Five free checks — ASIC's registers, the PDS and TMD, AFCA membership, scheme registration, RG 46 disclosure — show where a fractional platform stands.
Fractional Investing
Who Legally Owns the Property in a Fractional Investment?
Not the investors. A pooled scheme's responsible entity holds title on trust; on MyBrix the owner keeps legal title, investors hold economic interests.
Fractional Investing
How Is Fractional Property Investment Taxed in Australia?
Fractional property investment is taxed at two points: distributions while you hold, and CGT when you dispose. Here is the general framework.
Fractional Investing
Can I Sell My Fractional Property Investment Early?
Yes, with conditions. Exits run through owner buybacks, compulsory acquisition or a trading facility, take time, and fees can apply.
Fractional Investing
How Do Investors Make Money From Fractional Property?
Fractional property investors are paid two ways: a share of net rental income while holding, and a share of net proceeds at exit. Neither is guaranteed.
Fractional Investing
What Is the Minimum Amount Needed to Start Fractional Property Investing?
There is no single minimum — each platform sets its own. On MyBrix, retail investors can start from $100 a month through NestEgg (as at July 2026).
Fractional Investing
What Is Fractional Property Investment and How Does It Work in Australia?
Fractional property investment splits one property into small economic interests many investors can buy. How the model works in Australia, step by step.