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OnePoint Wealth Partners

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OnePoint Wealth Partners

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from OnePoint Wealth Partners, Financial Consultant, Suite 10 4-8 Queen Street Bentley, Bentley.

We craft bespoke wealth strategies in property, investment, and legacy planning—tailored to your goals and designed to help you build, grow, and protect your future.

03/09/2026

If an investment property is on your radar, the distinction between an established property and an eligible new build will become more important from 1 July 2027.
Under the new negative gearing rules, eligible new residential builds can continue to be negatively geared after that date.

For established residential investment properties purchased after 7:30pm AEST on 12 May 2026, losses will no longer be deductible against income such as salary and wages from 1 July 2027. Those losses can generally be applied against residential property income, including relevant capital gains, with excess losses carried forward.

That does not mean you should rush into a new build or avoid established property. Tax is only one part of the decision. Purchase price, location, rent, cash flow, growth prospects, finance structure and your own risk position still matter.

The right question is not “Which property gives me the biggest tax deduction?” It is “Which investment stacks up after finance, tax, cash flow and risk are all considered?”

If you're weighing up established versus new, we can model the borrowing and finance side with you. Speak with your accountant or tax adviser for personal tax advise.

01/09/2026

Perth is still one of Australia's strongest property markets on an annual basis - but the pace has changed sharply.

The median dwelling value is now around $1.03 million, up 20.5% over the past year. But July growth was just 0.1%, and values were 0.3% lower over the quarter.

Units have also slightly outperformed houses over the past year, rising 21.8% compared with 20.4% for houses.

For buyers who have been waiting for Perth to cool, this is the clearest sign yet that conditions are becoming more balanced.

For owners who bought during the past few years, it is also a good reminder not to assume last year's growth rate is still continuing. Your current equity position should be based on today's value, not last ye

Bought in Perth in the last few years? We can help you review your estimated equity and finance position before you plan your next move.

29/08/2026

Melbourne remains one of the softer capital-city markets, which is giving prepared buyers more room to negotiate.

Cotality's July figures show Melbourne dwelling values fell 1.2% for the month, 3.4% over the quarter and

2.8% over the year, taking the median dwelling value to around $797,354.
Auction conditions have improved from their winter lows, but they remain subdued. For the week ending 16 August, Melbourne's final auction clearance rate was 52.9%, compared with 69.1% in the same week last year.

That doesn't mean every property is a bargain. Quality homes can still attract competition. But overall, buyers have more choice and more negotiating power than they did a year ago.

The opportunity is being financially ready when the right property appears.

Thinking about buying while Melbourne conditions favour buyers? Let’s review your borrowing capacity and finance position before you negotiate.

27/08/2026

Australia's housing slowdown broadened in July, with national dwelling values falling 0.7% - the sharpest monthly decline since December 2022.

Sydney and Melbourne continued to lead the falls, but the weakness is no longer confined to those two cities. Brisbane fell 0.6% and Adelaide 0.2%, with both recording a second consecutive monthly decline.

Perth and Hobart each edged 0.1% higher, while Darwin rose 0.8%.

One of the most interesting signals is at different price points. Values in the most expensive quarter of the market fell 3.2% over the three months to July, while the least expensive quarter rose 0.3%.

That suggests higher borrowing costs are putting more pressure on the expensive end of the market, where larger loan sizes are more exposed to changes in borrowing capacity.

National headlines only tell part of the story. Want to know the current market means for your borrowing position, equity, and next move? Let's talk.

01/08/2026

No, Refinancing Doesn't Always Cost You Thousands

MYTH: "Refinancing will cost you thousands in fees."

We hear this from almost every client who's thought about switching and talked themselves out of it.

Here's the reality: most lenders will cover your discharge and new establishment costs to win your business. Break costs only apply if you're on a fixed rate and moving early and even then, the savings usually outweigh the fee within 12–18 months.

The real cost is the one nobody talks about: staying at a rate that's no longer competitive. With the average Australian mortgage now sitting around $735,000, a 0.3% difference in rate can mean well over $2,000 a year in extra interest.

If your loan hasn't been reviewed since the last rate change, it's worth fifteen minutes of your time.

Send us your current rate and loan balance and we'll tell you straight whether switching is worth it.

30/07/2026

The five questions we hear every single week.

Swipe through — chances are one of these has crossed your mind too.
Got one we didn't cover? Drop it in the comments and we'll answer it.

Got a question that's not on this list? Ask us in the comments — we'll answer it in next month's post.

28/07/2026

How Much Equity Could You Actually Have?

If you bought in Perth even two or three years ago, there's a good chance your equity position has moved more than you realise, dwelling values there are up more than 25% in the past year alone.

Melbourne owners, don't switch off. Even in a softer market, years of repayments plus earlier growth still add up to real, usable equity.

The question we ask every client isn't "should you use it", it's "what would actually make sense for your situation." Sometimes that's a second property. Sometimes it's consolidating higher-interest debt. Sometimes the answer is simply to know the number and sit on it.

Either way, it starts with an honest conversation, not a sales pitch.

Want to know where you actually stand? Book a 20-minute equity check. No obligation, just the numbers.

25/07/2026

Is Melbourne Being Undervalued?

While Perth and Brisbane have been grabbing the headlines, Melbourne's median dwelling value has actually eased over recent months and now sits below its November 2025 peak.

That's not the story most people expect to hear, but it's worth sitting with for a moment. Melbourne is still one of the most livable, connected capital cities in the country, with a median dwelling value well below Sydney's and now increasingly competitive against Perth and Brisbane.

Softer conditions aren't a red flag on their own. For buyers who were priced out of Melbourne twelve months ago, this is the closest the gap has been in a while.

This is our opinion, not a prediction, but it's a conversation worth having if Melbourne is on your radar.

Curious whether the numbers actually stack up for you in Melbourne right now? Let's talk it through.

23/07/2026

What Our Perth Team Is Seeing This Month

Perth's median dwelling value passed $1.05 million in May, up close to 26% over the past year and still one of the strongest results of any capital city in the country.

What's interesting isn't just the house market, units are actually growing faster right now, up close to 28% annually, as buyers priced out of houses look for a more accessible entry point.

Rental vacancy is still sitting around 2–2.5%, well below what's considered a balanced market, so tenant demand hasn't let up. Median rents are tracking around $700 a week for houses and $680 for units.

For anyone waiting for Perth to "cool off" before jumping in, supply is still the constraint, not demand.

Thinking about the Perth market but not sure where your borrowing power sits? Let's run the numbers before you start looking.

21/07/2026

What We're Actually Seeing: Melbourne Investors Looking West

Over the past six months, our Perth team has noticed a real shift. A steady rise in enquiries from Melbourne-based investors looking to diversify into WA.

What's telling is the reasoning. Most aren't chasing a quick capital gain. They're looking for stronger rental yield and more borrowing headroom than their home market currently offers.

It's a pattern that plays out every time growth rotates between cities and right now, that rotation is pointing west.

This is the kind of trend you won't find in a generic market report. It's what we're hearing directly from the clients sitting across the table from us.

Based in Melbourne and curious what a Perth investment property would actually look like on your numbers? Let's map it out.

Address

Suite 10 4-8 Queen Street Bentley
Bentley, WA
6102

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.onepointwealth.com.au/

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