Property Costs, Taxes and Finance
The financial side of a property transaction involves more line items than most buyers and sellers plan for. This guide covers selling costs, capital gains tax, stamp duty, how a mortgage interacts with your sale, and what every first home buyer grant option looks like in 2026.
Centrelink Asset Test and Age Pension When Downsizing Your Brisbane Home 2026
Your home is exempt under the Centrelink assets test. The cash from selling it is not. How the assets test, deeming rules and the home sale proceeds exemption interact for Brisbane downsizers.
What Does It Cost to Sell a House in Brisbane?
Selling a property in Brisbane costs more than most vendors expect. Here is a clear breakdown of agent commission, marketing, conveyancing, styling, and what capital gains means for your situation.
Capital Gains Tax When Selling Your Home in Brisbane 2026
What Brisbane home sellers need to know about capital gains tax, the main residence exemption, the 50% CGT discount, and partial exemptions when selling in 2026.
Stamp Duty in Queensland: What You'll Actually Pay
Transfer duty is one of the biggest upfront costs in property. Here's how it's calculated, what concessions are available, and how to budget for it.
Selling a House With a Mortgage in Brisbane 2026
What Brisbane sellers need to know about mortgage discharge, net equity calculations, fixed-rate break costs, and how your lender fits into the settlement process.
Which Mortgage Broker Should I Use?
Not all brokers are equal. Here's what to look for, what to ask, and the red flags that should send you elsewhere.
Every First Home Buyer Grant and Scheme: History and Current Options
A complete record of every Australian first home buyer grant, concession, and scheme from 2000 through to 2026, plus a clean summary of every option currently available and how to stack them.
CGT Main Residence Exemption: What Sellers Must Prove
Selling your main residence in Queensland and claiming the CGT exemption. What evidence proves the home was your main residence and what happens when the ATO asks.
Mortgage Broker vs Bank Direct: A Brisbane Buyer's Guide
Should you go to your bank or use a broker for your Brisbane property loan? Here is the practical comparison of cost, access to products, and service quality for Brisbane buyers.
Preparing Your Financial Position Before Listing in Brisbane
The financial work before listing matters as much as the property preparation. Here is the complete checklist for Brisbane sellers to get their financial position sorted before going to market.
Free Property Calculators Every Brisbane Home Seller Should Use
Eight free calculators that Brisbane sellers should run before they list. From net proceeds to CGT timing, here is how to use each one and why the numbers matter.
Real Estate Agent Fees in Brisbane: What You Actually Pay in 2026
A transparent breakdown of Brisbane real estate commission in 2026: typical rates, how the fee is calculated, what is negotiable, and what you actually get for your money.
Tax Deductions When Selling a Brisbane Property 2026
What Brisbane property sellers can claim to reduce their capital gain in 2026, from agent commission to legal fees. A practical guide to cost base, incidental costs of disposal, and records.
What It Actually Costs to Hold a Brisbane Property While Waiting to Sell
Mortgage interest, council rates, insurance, maintenance: the real holding costs Brisbane property owners face while waiting to sell, with 2026 indicative figures.
Downsizer Superannuation Contribution: What Brisbane Sellers Over 55 Need to Know
The federal Downsizer Contribution lets Australians 55 and over move up to $300,000 each from a home sale into super. Eligibility rules, the 90 day window, the Age Pension interaction, and what to plan before settlement.
CGT Timing for Brisbane Sellers Approaching Retirement: When to Trigger the Gain
Brisbane investors approaching retirement face one of the highest leverage tax decisions of their working life: which financial year to trigger the capital gain. Marginal rates, super carry-forward contributions, the contract-date rule and how to plan the campaign timing in lockstep.
Should Brisbane Sellers Time Their Contract Date Around the End of Financial Year?
The contract date, not the settlement date, is the CGT event for a Brisbane property sale. Who actually benefits from a 30 June vs 1 July contract, who should ignore EOFY entirely, and how to plan a Brisbane campaign in lockstep with the financial year you want the gain in.
How the Bank Valuation Actually Works in a Brisbane Property Sale
The buyer's bank valuation is one of the most misunderstood steps between contract and settlement. Who orders it, what the valuer does on site, the timeline from instruction to report, and what to do when it comes in low.
The 6-Year Absence Rule: Brisbane Sellers Who Moved Out of Their Main Residence
Section 118-145 of the Income Tax Assessment Act lets you keep the full main residence CGT exemption while renting out your Brisbane home for up to 6 years. The conditions are narrower than most sellers expect, and the dates matter.
Tax Return in the Year of Sale: What Brisbane Property Sellers Need to Know in 2026
The year you sell a Brisbane property is the most complex tax return year most owners will ever file. The contract date rule, partial year rental, the CGT label, depreciation recapture, the ATO clearance certificate, and the moves that must happen before 30 June.
CGT and Cost-Base Reset When Selling a Brisbane Property After a Joint Owner Has Died
When a Brisbane property co-owner dies, the CGT cost base of their share is governed by section 128-15 of the Income Tax Assessment Act. The reset is narrower than most families assume, the main residence rules carry the heavy lifting, and the moves that produce the best after-tax outcome are made before the first open home.
Rising Home Insurance Premiums: How They Are Reshaping the Brisbane Buyer Pool and Your Sale Strategy
Home insurance premiums in southeast Queensland have roughly doubled over five years and the cost is now reshaping the Brisbane buyer pool. How brokers, lenders and buyers factor it into offers in 2026, and the four moves Brisbane sellers should make before listing.
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