Julie Bullen

speaker

295 appearances 1 recordings 1 series first heard May 2026 last heard 25 May

Julie Bullen’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 1 in all, peaking in May 2026 with 1.

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Equity Mates Investing Podcast · After the Budget: What Investors Should Do Next with Julie Bullen | Ask An Adviser · 25 May 2026 podcast

You're just reducing the portion of the loan that you have to pay interest on.

becomes really important when you're wanting to upgrade or to change the loan structure from non-deductible into a deductible debt.

So you and your husband are about to go and buy property together.

What you want is to ensure that that new home, which will be your non-deductible debt,

has the lowest loan associated to it.

You don't want to pull equity out of both of your existing homes and then go and buy your $1.5 million house and have a $1.5 million non-deductible loan when both your existing properties have a small $300,000 on it.

So from a tax perspective, it's all about structuring it so the property that could be

generate an income, which in this situation would be your existing properties, would have the highest loan attached to it.

It's not always possible.

Some people may have met later in life, you've already been actively paying it down.

Sometimes it can make sense to sell a property and restructure.

without knowing, again, the details, it's a conversation to be had where if you sold one of them off, you then get to put forward a really big deposit on your new property.

You're then going to get new equity in that.

You can still go and buy more investments later.

But what you've done is ensure that your debt associated to a non-deductible loan is really low.

As a mum myself, the most expensive part of having kids is definitely not the kid themselves.

It's dropping from a two-income family down to a one-income family.

So starting to prepare for that now is going to have huge benefits when you do bring a baby into the world.

What I'd be encouraging you both to do is get really clear on your maternity or paternity leave entitlements from work.

If you're planning to leave a job, really consider whether that would impact the timing.

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