Q&A: Company land tax, debt recycling, and building versus selling

Six listeners bring some genuinely meaty questions. Sandy digs into the technical weeds of owning property through a company—whether a discretionary trust as sole shareholder forfeits the NSW land tax threshold, and how the 25% versus 30% company tax rate applies when a capital gain lands. Prashant asks for a candid critique of his simple, four-ETF debt recycling portfolio and its cash-flow reality.

Mark poses a clever SMSF puzzle: is deliberately exceeding the concessional cap effectively an interest-free loan from the ATO—and what's he missing? Shiva wants Stuart's read on whether the CGT changes will choke listings, push prices up, and collide with reduced borrowing capacity.

Then two relatable crossroads. "Nick" in Hobart weighs a granny flat build that won't add net capital value—asking what else should inform the decision, and whether to simply wait for child support obligations to taper. And Justin, 32, having pivoted from high-income mining to community services, faces a construction crunch: sell the investment property he believes in, or stretch to refinance and keep it?

Structural nuance and real-life trade-offs throughout—with the usual reminder that these are general discussions, not personal advice.

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Important

This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional.