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[av_heading heading=’The News Brief_20200909′ tag=’h1′ style=’blockquote modern-quote modern-centered’ subheading_active=’subheading_below’ show_icon=” icon=’ue800′ font=” size=’6vw’ av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” subheading_size=’20’ av-medium-font-size=” av-small-font-size=” av-mini-font-size=” icon_size=” av-medium-font-size-1=” av-small-font-size-1=” av-mini-font-size-1=” color=’custom-color-heading’ custom_font=’#000000′ icon_color=” margin=’0′ margin_sync=’true’ padding=’0′ icon_padding=’10’ link=’manually,http://’ link_target=” id=” custom_class=” av_uid=’av-ketei91p’ admin_preview_bg=’rgb(34, 34, 34)’][/av_heading]

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[av_heading heading=’Cash flow boost change’ tag=’h1′ style=” subheading_active=” show_icon=” icon=’ue800′ font=” size=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” subheading_size=’15’ av-medium-font-size=” av-small-font-size=” av-mini-font-size=” icon_size=” av-medium-font-size-1=” av-small-font-size-1=” av-mini-font-size-1=” color=” custom_font=” icon_color=” margin=” margin_sync=’true’ padding=’10’ icon_padding=’10’ link=’manually,http://’ link_target=” id=” custom_class=” av_uid=’av-ketemcmy’ admin_preview_bg=”][/av_heading]

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Legislation has been enacted to clarify that the cash flow boost is available to eligible small and medium businesses that are required to pay an amount to the ATO because they receive an alienated personal services payment. Broadly, this is a payment received by a personal services entity (e.g. a company or trust) that is ultimately treated as forming part of the income of an individual under the personal services income rules and has not been promptly paid to the individual as salary or wages.

Payment of an amount to the ATO in these circumstances gives rise to an entitlement to the cash flow boost in the same way as payment to the ATO of an amount withheld from an employee’s salary or wages.

As discussed in the April 2020 edition of TaxWise News, the cash flow boost allows eligible small and medium businesses to receive up to a maximum of $100,000 in total in cash flow boost amounts by lodging their activity statements up to the month or quarter of September 2020.

Cash flow boosts are tax-free and not subject to GST. However, this can give rise to later tax consequences when the tax-free amounts are paid out of companies and unit trusts. This is complicated so talk to your tax adviser.

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[av_heading heading=’Melbourne real estate will fully open with COVID-19 safety measures from November 23′ tag=’h1′ style=” subheading_active=” show_icon=” icon=’ue800′ font=” size=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” subheading_size=’15’ av-medium-font-size=” av-small-font-size=” av-mini-font-size=” icon_size=” av-medium-font-size-1=” av-small-font-size-1=” av-mini-font-size-1=” color=” custom_font=” icon_color=” margin=” margin_sync=’true’ padding=’10’ icon_padding=’10’ link=’manually,http://’ link_target=” id=” custom_class=” av_uid=’av-keteiq8m’ admin_preview_bg=”][/av_heading]

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Melbourne real estate will fully open with safety measures from November 23, the Victorian premier Daniel Andrews advised today.

However from October 26, if the daily average of new cases is fewer than five and there are fewer than five cases with an unknown source in the prior fortnight, agents would be allowed to hold private inspections and to hold outdoor auctions subject to gathering limits.

In the meantime the spring Melbourne real estate market will remain only as online inspections for several more weeks.

Thousands of Melbourne home vendors were hopefully awaiting today’s decision to commence their marketing.

The government has confirmed only services related to property settlement and the commencement of or ending of a lease, including removalists, are to be allowed until October 26.

The re-opening was advised by Victorian Premier Daniel Andrews in his five-step road map out of stage four lockdowns from September 14.

If all goes to plan, a fourth step would begin on November 23, provided there were no new cases for 14 days.

All retail would then also be open and the real estate industry would open with additional safety measures.

Restrictions were introduced in late March which included a ban on on-site auctions, with two loosening of rules from May allowing auctions to go ahead with just 10 bidders, which was later raised to 20.

Auctions were banned again when stage four was enacted in August, along with no permissible open for inspections.

Regional Victoria will see its second step begin on September 13 allowing private inspections to resume. But onsite auctions with attendance limits won’t be allowed until the third step.
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[av_heading heading=’Melbourne spring market: Property market goes private amid COVID’ tag=’h1′ style=” subheading_active=” show_icon=” icon=’ue800′ font=” size=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” subheading_size=’15’ av-medium-font-size=” av-small-font-size=” av-mini-font-size=” icon_size=” av-medium-font-size-1=” av-small-font-size-1=” av-mini-font-size-1=” color=” custom_font=” icon_color=” margin=” margin_sync=’true’ padding=’10’ icon_padding=’10’ link=’manually,http://’ link_target=” id=” custom_class=” av_uid=’av-keteoaje’ admin_preview_bg=”][/av_heading]

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Melbourne’s spring market could be dominated by private sales rather than the usual auction action — and any auctions we do see will be held online until COVID-19 restrictions ease.

But the change in selling style is unlikely to stop vendors from listing their homes during the busiest property season of the year, experts say.

Property Mavens director Miriam Sandkuhler said “Once stage four ends, I am expecting a rise in stock levels, as selling agents are currently preparing their vendors to list and market their property as soon as possible”

“Buyer interest remains strong, due to the pent-up demand leading into what is normally a very busy spring selling season.’

But it was important buyers waited until they could physically inspect a property before buying, the buyer’s advocate added.

“Professional photos can misrepresent the true condition and the state of a property,” Ms Sandkuhler said.

Private sale negotiations should involve gaining “a clear understanding of price” through market research and finding out why the vendor was selling, she said.

Real Estate Institute of Victoria president Leah Calnan said a spring market “solely using online auction platforms” may lead to more private sales campaigns across the city.

She predicted auction numbers could increase as “restrictions continued to ease”, and remain solid right up to Christmas due to the delayed start to the spring selling season.

EYS Auctions director Fabian Sanelli said when it came to online auctions, Zoom allowed for the best buyer transparency and engagement because registered bidders could see their competitors on the screen.

“I haven’t noticed a drop in urgency from buyers. If anything, I’ve noticed a lot more confidence as people start to understand how the technology works,” he said.

Mr Sanelli said it was important buyers bid “just like they would on the street”, with the same “aggression”.

“A lot of buyers try to sit back online and wait. We’ve noticed our average auction time jump from 27 minutes to 39 minutes,” he said.

Online auctions have reeled in massive results during stage three and four of Melbourne’s coronavirus lockdown.
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[av_heading heading=’5 reasons to use a mortgage broker’ tag=’h1′ style=” subheading_active=” show_icon=” icon=’ue800′ font=” size=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” subheading_size=’15’ av-medium-font-size=” av-small-font-size=” av-mini-font-size=” icon_size=” av-medium-font-size-1=” av-small-font-size-1=” av-mini-font-size-1=” color=” custom_font=” icon_color=” margin=” margin_sync=’true’ padding=’10’ icon_padding=’10’ link=’manually,http://’ link_target=” id=” custom_class=” av_uid=’av-keteu2ho’ admin_preview_bg=”][/av_heading]

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  1. Mortgage brokers aren’t tied to lenders or loans – Mortgage brokers are able to save you time and money by finding the right loan and lender for you.
  2. They can guide you – Not only will a mortgage broker help you find the right loan, they can also help you with the home buying process. Liaising with everyone from accountants to real estate agents, ensuring the entire home buying process is a breeze.
  1. Brokers provide a service – You don’t have to pay to work with a mortgage broker and their fees are generally covered by the lender.
  1. Get approved faster – Because mortgage brokers have a strong relationship with a range of lenders, they can often get your loan approved faster.
  1. Brokers help in specific areas – Many brokers are experts in different areas of specialisation, such as working with first home buyers or getting construction loans or loans for property investors. Often banks simply aren’t going to be across the different options.

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[av_heading heading=’Superannuation taxes predicted to be a ‘soft target’ in budget’ tag=’h1′ style=” subheading_active=” show_icon=” icon=’ue800′ font=” size=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” subheading_size=’15’ av-medium-font-size=” av-small-font-size=” av-mini-font-size=” icon_size=” av-medium-font-size-1=” av-small-font-size-1=” av-mini-font-size-1=” color=” custom_font=” icon_color=” margin=” margin_sync=’true’ padding=’10’ icon_padding=’10’ link=’manually,http://’ link_target=” id=” custom_class=” av_uid=’av-keteu2ho’ admin_preview_bg=”][/av_heading]

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In a short research paper, Parametric head of research Raewyn Williams and analyst Josh McKenzie stated that investment tax inside super may be a “political soft target” because it won’t be felt directly in most voters’ hip pockets.

They suggested in the paper that the two most likely tax measures would be increasing the headline tax rate of 15 per cent or reducing the capital gains tax concession from one-third.

A third option, which is limiting the claiming of franking credits for Australian share dividends, the paper argues, would be too politically risky.

“Changing the franking credit rules is directly felt by many members in the way that other super investment taxes aren’t — something the Australian Labor Party, in proposing to limit franking credit refunds, learnt in last year’s federal election,” the paper said.

Out of the other two options, Ms Williams and Mr McKenzie stated that reducing the CGT discount concession would be the preferable option, as it would have a much more subdued impact on a member’s retirement balance

“This is primarily because, unlike increasing the 15 per cent headline tax, a CGT change would only impact some assets inside super and would not erode members’ initial (taxed) contributions into super,” the paper explained.

“A very small reduction (3 per cent) in the CGT discount concession to 30 per cent would shave a negligible $1,545 of the member’s retirement balance of $682,146. Even using our most aggressive assumption (the CGT discount more than halving to 15 per cent), the expected loss to retirement savings is a modest $8,446.”

Ms Williams and Mr McKenzie also suggested that the government may consider less significant changes to the CGT rules for superannuation such as extending the current one-year holding period rule (for CGT discount eligibility) to three years, capping carry-forward capital losses or limiting the types of assets eligible for CGT discounting.

“Faced with a raft of possible tax changes, the industry should favour changes to the CGT rules over a blanket increase in the super fund tax rate,” the paper recommended.
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Sources: Property Observer, news.com.au, SMSF Adviser and CFH Partners
Disclaimer: This is general information only and is subject to change at any time. Your complete financial situation will need to be assessed before acceptance of any proposal or product. The Content provided herein has been prepared for informational purposes only. The Content does not constitute tax, legal or accounting advice and should not be relied upon as such. You should seek tax, legal or accounting advice before acting or relying on any Content.

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