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    Does Salary Sacrificing effect borrowing capacity?

    I'm not 100% sure, but I think so. I guess in higher brackets the "tax saving" is more significant - but the same "grossed up" limitations would apply. There was a big stink a couple years back I recall - medical practitioners within the public system could literally sacrifice their entire...
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    Does Salary Sacrificing effect borrowing capacity?

    Employees of certain institutions, charities and nursing homes(?) and others that satisfy certain criteria, are eligible to sacrifice up to a grossed up value of $30000 into mortgages etc, FBT-free - which equates to somewhere between 15-16K I think - providing they don't go above the 30% of...
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    Does Salary Sacrificing effect borrowing capacity?

    I have just started salary sacrificing home mortgage repayments. My employer is classed as a PBI - public benevolent institution - and I am able to sacrifice up to 30% of my gross income, of which up to $8755 can be FBT exempt for certain items. If there is still some of the 30% left, other...
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