Send us a text⚠️ Did you just get a MASSIVE bonus or commission check? Don't let the ATO take 45% of it! This Aussie tax strategy could save you tens of thousands.In this episode of The Mortgage Chat, I break down a powerful, but often misunderstood, strategy that helped my client reduce his tax liability by over $43,000 on a one-off commission. If you're a high-income earner, especially in sales or a commission-based role, and you've had an unexpectedly large payday this financial year (a 'first-world problem' we all wish we had!), this video is a must-watch.The strategy? Using an Interest in Advance Loan on an investment property. This allows you to prepay the next financial year's tax-deductible interest this financial year. By paying $97,200 of 2026's interest in 2025, my client was able to significantly reduce his taxable income, pushing a large chunk of his one-off commission out of the 45% tax bracket. We dive into the specific numbers, showing you how $150,000 in income exposure was reduced to just $52,800, leading to a huge tax saving.Important Caveats: This strategy is primarily for investors who expect a high-income year followed by a lower-income year. I also discuss the main downfall—the risk of paying a higher interest rate if rates drop in the following year. As always, this is not tax advice; you must consult with your Australian Accountant before proceeding.Watch the video to understand how this advanced strategy works and determine if it's the right move for your investment portfolio in Australia. Don't leave money on the table for the tax man!🎧 LISTEN TO THE PODCASTSpotify: https://open.spotify.com/show/0ey99ngIhSFhO1TfRAMcqGYouTube: https://www.youtube.com/@themortgageagency📍 FIND US HERELinkedIn: https://www.linkedin.com/in/tony-xia-12a7b596Instagram: https://www.instagram.com/tonyxia_themortgageagency/Chapters0:00 Introduction & The $45,000 Tax-Saving Story1:17 Who is at risk of the 45% tax bracket in Australia?2:52 What is an Interest in Advance Loan?3:56 How a $150,000 bonus created a tax killer4:41 The Interest in Advance Loan Strategy: The Numbers5:20 The 'Negative Gearing' Concept Explained5:34 The Tax-Saving Result: How we saved over $43,0006:58 The Biggest Downfall of an Interest in Advance Loan7:36 Final Warning: Is this strategy right for you?📅 Book a quick call ⬇️https://themortgageagency.com.au/contact/

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