Julian Finch: CGT changes - Younger Aussies will be hit the hardest, prepare to work until you're 90
Announcement posted by Invigorate PR 05 May 2026
Australia's property market is being destabilised by growing panic around potential changes to capital gains tax (CGT), with finance expert Julian Finch warning that investor confidence is being eroded at a time when stability is critical.
Finch said ongoing speculation about reducing or tightening CGT concessions is creating uncertainty that is already influencing investor behaviour. It is also affecting all property sales across the country.
Julian Finch is the founder and CEO of Finch Financial. With decades of mortgage brokerage and commercial lending experience, Finch has helped thousands of Australians successfully navigate the lending process. Finch Financial has one of the highest loan approval rates in the country, often securing approvals within minutes. Considered the Money Man, Julian Finch has helped many people get into the best-fit home loans fast and with minimal effort so they can buy their dream home or ideal investment property.
"We are seeing hesitation, second-guessing and in some cases, people walking away from property investment altogether," Finch said.
"When confidence drops, markets slow. It's that simple. Stock reduces because people put off selling and buyers pull back because they don't want to purchase a property that will fall in price. The whole market is in disarray thanks to the federal government.
"If they want to change such an important tax that many people rely on, take it to an election. Don't try and ram it through under the guise of helping to bring in younger voters. That is just rubbish and millennials should not be falling for the fake retoric or narrative."
"Millennials are going to be hurt the most by these changes."
A generation at risk
Finch said the biggest concern is not today's investors, but tomorrow's.
"For decades, Australians have relied on property as a long-term wealth and retirement strategy," he said.
"In 10 to 15 years, millennials will be the ones relying on these investments, just as baby boomers do today."
He warned that many younger Australians may not fully understand the long-term consequences of changes to CGT.
"There is a perception that taxing investors more heavily will fix affordability issues," Finch said.
"In reality, it risks undermining the very system future generations will depend on. Basically, millennials will be taxed more in the future for investing in the property market. Why would anyone want this? It is only going to make retirement harder for younger Aussies and keep them working until they are 70 plus.
"If millennials don't invest, rentals reduce and the price of rent soars. Gen Z will be hit the hardest.
A dangerous political play
Finch said any move to reduce or remove CGT concessions risks being a short-term political decision with long-term consequences.
"There is a clear attempt to appeal to voters who are frustrated with housing affordability. However, those same voters are the ones who will be impacted down the track when they try to build wealth."
He said millennials in particular should be paying close attention.
"If you plan to invest in property, if you plan to build a retirement fund, you should be very concerned about changes to CGT," Finch said.
"You will want every tax advantage available, not fewer."
The real driver of rising house prices
Finch pushed back strongly on the narrative that property price growth is being driven by long-term investors.
"Houses are not expensive because someone bought them 40 years ago," he said.
"They are expensive because of broader economic settings, including government spending, inflation and supply constraints."
He said focusing on CGT risks oversimplifying a complex issue.
"You cannot fix housing affordability by targeting one part of the system and ignoring everything else," Finch said.
Investor confidence under threat
According to Finch, the current environment is creating a ripple effect across the market.
"When investors feel uncertain about tax settings, they pause. That reduces activity, impacts supply and ultimately flows through to prices and availability."
He said stability in policy settings is critical.
"Property investment is a long-term decision. You cannot have constant speculation and expect people to commit hundreds of thousands or millions of dollars with confidence."
A call to protect the future
Finch is urging Australians, particularly younger generations, to think beyond short-term narratives.
"This is not just about today's market, it is about the future of wealth creation in this country."
He said removing or reducing CGT benefits could have unintended consequences that stretch far beyond current debates.
"If we undermine investor confidence now, we risk weakening one of the key pathways Australians have used to build financial security," Finch said.
His message to millennials and Gen Z is direct.
"Do not support changes that will hurt you later. You are the future investors. You will want the same opportunities that previous generations had. Why pay more tax than you should and work your guts out until you are 70 or 80.
"Don't support these changes. If you do the hard yards and put your money, time and resources into growing wealth through property, don't let the government come along cap in hand and take most of your profits. That is just plain stupid."
A critical moment for policy
Finch said the current debate represents a turning point.
"We need thoughtful, balanced policy that supports both affordability and investment," he said.
"What we cannot afford is reactive decision-making that creates uncertainty and damages confidence."
He said restoring clarity is essential.
"Confidence drives markets, without it, everything slows."
About Finch Financial Services
Based in Hurstville, NSW, Finch Financial Services has been servicing Australian families and businesses with home, personal and commercial loans as well as asset finance services since 2015. Ranked amongst the top five percent of brokerages in Australia according to data from the MFAA, Finch Financial Services is a leading brokerage and family-owned business that specialises in finding its customers loans that are tailored to their needs and goals.