#Tax

HECS-HELP repayments in 2026-27 use a marginal rate system: 0% below $69,528, 15% on income above that to $129,717, then 17% to $186,050, then 10% of total income. See how much you repay at every income level and how lenders treat HELP debt in mortgage applications.

Australia's 2026-27 income tax rates: the 19% bracket drops from 16% to 15% on 1 July 2026, delivering $268/year savings for incomes above $45,000. Worked examples at $60k, $80k, $100k, $150k with full take-home pay breakdown. Non-resident and WHM rates included.

Australian singles earning above $101,000 face a Medicare Levy Surcharge of 1% to 1.5% of taxable income without eligible private hospital cover. Basic hospital insurance often costs less than paying the surcharge. Full MLS tier breakdown and interactive tax calculator.

A 2026 guide to negative gearing on Australian investment properties: the tax mechanics, deductible expenses, depreciation schedules, cash flow implications, and when negative gearing is and isn't the right strategy.

Understanding how to split debt for tax purposes when refinancing.