money money money 902 resetting after divorce, terminal illness & big money decisions, invest or buy a home + more
Jan 12, 2026
Glen and John dive into the financial intricacies of turning your home into an investment property during a fixed mortgage period. They discuss the importance of emergency funds before buying a home and offer advice on estate planning for those facing terminal diagnoses. The duo also explores the challenges of blended finances post-divorce, emphasizing the need for clarity in ownership and wills. Additionally, they weigh the benefits of investing in ETFs versus buying a home, and share practical tips for navigating these big money decisions.
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Get A Valuation Before Converting Home
- Do get a valuation when you convert your PPOR to a rental to reset the cost base for capital gains tax purposes.
- Speak to your accountant about claiming any loan break fees as investment expenses.
Keep Loan Type If It Gives Better Rate
- Do avoid switching an owner-occupier loan to an investor loan purely because you moved out, since investor rates are usually higher.
- Do notify and consult your lender and accountant before making changes during a fixed-rate period.
Pause Investing When Saving For A Home
- Stop heavy ETF investing and top up your emergency fund before buying a home if you expect to use that cash for a deposit.
- Keep cash liquid until you decide location, ownership structure and who will be on title.
