Don't Buy an Investment Property. Do This Instead (Australia 2026)

📞 Book a Free Discovery Call With David the Mortgage Broker https://calendly.com/david-pelligra-n... 📘 Download the Free First Home Buyers Guide (PDF): https://fhb.davidpelligra.com.au FOLLOW ME ON INSTAGRAM 📷 Instagram →   / davidpelligra   Website → https://nidofinance.com.au Should you buy an investment property right now? For most people using equity in their home, the numbers say no. A regional investment property bought after budget night now costs around $455 a week out of your pocket, while putting $150,000 of that same equity into ETFs costs around $78 a week, and the interest can still be claimed against your wages. The budget changed negative gearing for established residential property bought after 7:30pm on 12 May 2026, and banks cut investor borrowing power by up to 20%. But shares and ETFs kept the existing rules. The budget closed one door. It didn't close the investing door. In this video, you'll see every number behind using your home loan to invest: Method 1, an investment split against your home to buy ETFs, Method 2, the pay, split and draw method (debt recycling), and running both together for $131 a week. Then a third option that doesn't involve investing at all, upgrading your home with tax-free equity, and who I'd still buy an investment property for. Perfect for homeowners with equity, would-be property investors rethinking their plans after the negative gearing changes, and anyone curious about debt recycling in Australia. Chapters: 00:00 - Why you shouldn't buy an investment property right now 01:12 - Our scenario: $1M home, $550k loan, $250k usable equity 02:00 - The old pre-budget investment playbook 02:32 - What the budget changed: negative gearing after 12 May 2026 04:22 - Method 1: An investment split to buy ETFs 04:55 - The $78 a week number 05:54 - Capital gains tax changes for shares too 06:58 - Method 2: Pay, split and draw (debt recycling) 08:58 - Option 3: Upgrade your home instead 09:55 - Investment property isn't dead: who should still buy 🙋‍♂️ About Me I'm David, a mortgage broker based in Melbourne. I've helped hundreds of first home buyers and investors across Australia buy property with confidence, clarity, and strategy. My aim is to give you the ultimate guidance and information so you can make the most informed decision possible when purchasing property. 📬 Stay Connected Instagram →   / davidpelligra   Website → https://nidofinance.com.au ⚠️ Disclaimer This video is for educational purposes only and does not constitute financial advice. Always speak to a licensed broker or financial adviser before making decisions. #propertyinvestment #negativegearing #debtrecycling #australianproperty #mortgagebrokeraustralia