Insights

Buying an investment property involves more than the purchase price. This 2025 guide breaks down every major cost, including stamp duty, legal fees, LMI, repairs, strata, insurance, loan interest, land tax and CGT when selling. Understanding the full cost list helps you avoid cashflow mistakes and plan your investment strategy. Bear Loans combines mortgage broking and accounting expertise to guide smarter property decisions.

Debt recycling is one of the most powerful long-term wealth strategies available to Australian homeowners in 2025 yet it remains one of the least understood. At Bear Loans, we see this every week. Many clients have the equity, the income, and the motivation to grow wealth, but don’t know how to structure their loans in a way that actually works for them over time. As mortgage brokers who are also chartered accountants, we specialise in structuring loans with tax outcomes in m

If you're thinking about buying a holiday home or already own one, there’s a major tax change coming that every property owner needs to understand. The Australian Taxation Office (ATO) has released new draft guidance that could significantly impact the deductions you can claim and the true after-tax cost of owning a holiday property. But here’s the part most people miss: Tax changes like this don’t just affect your tax return they affect your lending, loan structure, cashflo