Tax and legal advice

First Home Super Saver Scheme and downsizing incentives pass both houses

By Sasha Karen
Parliament house

Following the news of marriage equality passing both houses of Parliament, bills on downsizing incentives and the ability for first home buyers to use superannuation to put money down on a new home have slipped by with only a few amendments.

According to a joint statement made by Treasurer Scott Morrison and Assistant Minister to the Treasurer Michael Sukkar, both the Treasury Laws Amendment (Reducing Pressure on Housing Affordability Measures No. 1) Bill 2017 and the First Home Super Saver Tax Bill 2017 passed both houses of Parliament, and will “ensure all Australians have access to secure, stable and affordable housing”.

Introduced to Parliament in September, as published previously, the soon-to-be acts are:

The Treasury Laws Amendment (Reducing Pressure on Housing Affordability Measures No. 1) Bill 2017

The Treasury Laws Amendment bill would allow for those 65 and older who are selling their main residence that they have lived in for at least 10 years to make uncapped downsizer contributions, limited to $300,000 or up to $600,000 for both members of a couple, which are not deductible and can only be made in relation to the sale of a main residence once.

First Home Super Saver Tax Bill 2017

The First Home Super Saver Tax bill allows for first home buyers to take money out of their superannuation towards a new home. The total allowed to be taken out is up to a limit of $30,000 of eligible concessional contributions, plus eligible non-concessional contributions and associated earnings.

In the joint statement, Mr Morrison and Mr Sukkar claimed that “most first home buyers will be able to accelerate their savings by at least 30 per cent using the scheme”.

The only amendments made were in relation to the First Home Super Saver Tax Bill, which was to insert the right to object against the determined eligible amount and take it up with the Taxation Appeals Division or the Small Taxation Claims Tribunal, depending on the outcome, and the government would be undertaking a six-month review into this right to object, starting within 18 months of the bill passing.

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In this episode of the Smart Property Investment Show, Dominique Grubisa joins host Phil Tarrant to share her personal story which saw her hit rock bottom with excessive debt during the GFC.

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Dominique unpacks how, by relying on her background in law, she was able to overcome that debt and in doing so develop a unique investment strategy which she believes many can utilise today.

Dominique discusses distressed properties, and how she goes about finding them in order to buy property well below market value. She shares the process of identifying distressed properties as well as the controversy surrounding this buying method.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

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AREAS MENTIONED:

Hobart
Bondi
Deception Bay

 

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Getting finance approved in this tightening lending environment

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