Yes, you can use sale proceeds to pay off your home loan, but the net amount available will be reduced by Capital Gains Tax (CGT). Because CGT is added to your assessable income and taxed at your marginal rate, the final sum depends on your income level and the timing of the contract signing. Investors
For sale contracts below the $10.7 million adjustment prohibition threshold, sellers cannot require buyers to contribute to land tax at settlement. The seller absorbs all land tax costs incurred up to the settlement date. Land tax remains an annual progressive charge based on the property’s unimproved capital value. Selling mid-year in 2026 means the vendor
Under Victorian tenancy law, landlords must provide appropriate notice to tenants before ending a tenancy for the purpose of selling a property. Regarding property access, tenants are generally entitled to no more than two open for inspections per week, provided they are given reasonable notice. Balancing vendor goals with tenant rights is a critical component
Handling a difficult tenant requires strict adherence to Victorian tenancy law, which mandates appropriate notice before ending a tenancy for sale. Landlords must respect tenant rights regarding inspection frequency, typically limiting open for inspections to no more than two per week with reasonable notice. Selling a tenanted investment in 2026 involves navigating reduced landlord flexibility
Signs of a market bottom include the absorption of divested investment stock by owner-occupiers and a 0.2% monthly growth rebound in January 2026 (Cotality). Annual dwelling value growth reached approximately 5.4% to early 2026, while dwellings are selling slightly quicker than the decade average (March–April 2026). The Melbourne market currently operates at two speeds. While
The six-year CGT rule allows a homeowner who moves out of their principal place of residence (PPOR) to continue treating it as their main residence for capital gains tax purposes for up to six years. This applies to a Melbourne investment property in 2026 provided the owner does not nominate another property as their PPOR
Whether to sell or hold depends on your gearing and tax tolerance. Holding is supported by long-term structural undersupply and a KPMG projection of 6.6% house price growth for 2026, while selling is driven by Victoria’s heavy tax burden and a rise in listing competition (Raine & Horne). The decision to divest or refinance is
Find the right agent by verifying they have sold comparable properties in your suburb within the last 6–12 months and interviewing at least three candidates. Request written CMAs and a clear marketing plan, then assess their responsiveness and the quality of their active buyer database to ensure they can generate genuine competition in a price-sensitive
Selling a rental involves managing Capital Gains Tax (CGT) liabilities and tenant legal rights, whereas a primary residence is generally exempt from CGT. In 2026, investment sales are heavily influenced by Victoria’s high tax burden and compressed net rental yields (Forge Property, February 2026). Selling an investment property in 2026 requires a shift from lifestyle
Selling vacant is generally more advantageous in 2026 because the primary buyer pool consists of owner-occupiers, while Victorian tenancy law reforms have reduced landlord flexibility. However, owners of positively geared properties may choose to hold for a projected recovery in 2027 (ANZ, Domain). The decision to sell vacant or tenanted now hinges on the shift
