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Tax Depreciation and Negative Gearing: Why Depreciation Matters When Your Property Is Negatively Geared
Many property investors know negative gearing means a tax loss. Fewer realise how tax depreciation, combined with negative gearing, can reduce that loss, improve their tax position, and affect the true cost of holding an investment property. Negative gearing occurs when the deductible costs of owning a rental property exceed the rental income it generates.…
Negative Gearing Abolished in Australia? The 2026 Tax Changes Explained
Since the 2026 Federal Budget proposal was announced, many property investors have asked one question: is negative gearing abolished in Australia? The answer is not as simple as some headlines suggest. The proposed rules do not affect every property or every investor. From 1 July 2027, negative gearing benefits may change for some types of…
Negative Gearing Changes 2026: What Investors Should Know Before the Rules Begin
Australia’s proposed negative gearing changes for 2026 have brought property tax planning back into sharp focus for investors. These changes will affect how rental losses are claimed, which residential investment properties receive the strongest tax breaks, and how investors compare new builds with established properties. From 1 July 2027, the federal government plans to limit…
What Is Consumer Price Index and Why Does CPI Matter to Australian Property Investors?
The Consumer Price Index, commonly called CPI, measures price changes across a basket of goods and services bought by Australian households. The Australian Bureau of Statistics uses CPI to track inflation across housing, food, transport, health, education, insurance and recreation. What is consumer price index is a common question for investors trying to understand how…
New Build After 2026 Federal Budget: What Property Investors Need to Know
The 2026 Federal Budget has made “new build” an important term for Australian property investors and construction businesses. Under the proposed reforms, new-build properties may receive different tax treatment from established homes, with incentives aimed at properties that genuinely add to housing supply rather than existing stock changing ownership. For investors, this may affect how…
What Is Indexation? How It Works for Tax, Inflation and Capital Gains
Indexation is the process of adjusting a value so it reflects inflation over time. In taxation, it helps separate real investment growth from price rises caused by inflation or cost of living increases. For investors, indexation is most important since it affects the purchase cost or cost base of an asset. This is especially relevant…
What Negative Gearing Grandfathering Means Under the 2026 Federal Budget Proposal
The Federal Budget proposal has raised a key question for property investors. Will existing investment properties keep the current negative gearing rules? Under the proposal, negative gearing would be limited to new builds from 1 July 2027. Properties held before budget night may keep the current rules. This makes negative gearing grandfathering, purchase dates, contracts…
From Grandfathered Property Negative Gearing to New Builds: What Investors Need to Know
The 2026 Federal Budget may change how investors compare new builds, established properties and grandfathered assets. From 1 July 2027, the proposed reforms would limit negative gearing to new residential properties. Properties held before budget night would keep their current tax treatment. This makes property type important and shows why tax depreciation still matters. Eligible…
30% Minimum CGT Rule: What Property Investors Need to Know
The 30% minimum CGT rule is a significant tax reform announced in the 2026 Federal Budget that will affect Australian property investors and other asset holders. From 1 July 2027, the government will replace the current 50% capital gains tax discount with an inflation-based cost base indexation system and introduce a minimum 30% tax on…
New Build Tax Depreciation Schedule: When Should New Build Investors Get a Tax Depreciation Schedule?
A new build investment property can give investors access to valuable depreciation allowances from the start. Because the building, fixtures, and fittings are new, investors may be able to claim deductions for both the property's assets and structure. Many property investors focus on obvious rental property tax deductions, such as loan interest, council rates, insurance…
Tax Depreciation for Duplex Houses: What Investors Can Claim
Duplex houses can be attractive to Australian property investors because they can offer two rental income streams from one property. Instead of relying on a single tenant, a duplex may allow an owner to rent out both dwellings, or live in one side while renting out the other. From a tax point of view, this…
Tax Depreciation for Student Accommodation: What Property Investors Should Know
Student accommodation differs significantly from a standard rental property. It often features furnished rooms, shared spaces, multiple appliances, and frequent tenant turnover. Rental income may fluctuate in line with university calendars, semester breaks, and seasonal demand. These factors create additional tax depreciation opportunities for property investors, helping to reduce their overall tax bill within the…
Do You Need a Depreciation Schedule Before Tax Time?
Tax time is the trigger for property investors to collect loan statements, council rates, insurance records and management fees. But one tax deduction is easy to miss: depreciation. A depreciation schedule prepared before tax time gives your accountant a clear report of eligible tax deductions for your investment property. These may include deductions for the…
