07/07/2026
🚨 BIG CHANGES TO NEGATIVE GEARING ARE COMING! 🏡
If you're planning to buy an investment property, these changes could significantly impact your tax benefits.
📅 From 1 July 2027:
✅ New Build Investment Properties
• Negative gearing will generally continue to be available.
❌ Established Investment Properties
• If purchased after the Government's cut-off date, rental losses will generally no longer be deductible against your salary or wages. Instead, those losses will be carried forward to offset future rental income or capital gains.
✅ Already Own an Investment Property?
If you owned your investment property (or exchanged contracts) before 7:30pm AEST on 12 May 2026, your property is generally grandfathered, meaning the existing negative gearing rules continue to apply.
What does this mean for investors?
✔️ Cash flow will become more important than ever.
✔️ New build properties may become more attractive.
✔️ Choosing the right loan structure and lender could have a bigger impact on your long-term returns.
Every investor's situation is different, so it's worth reviewing your strategy before making your next property purchase.
📞 Thinking about investing? Let's discuss your options before you buy.
At ZIP Finance Solutions, we help investors compare lending options from a wide panel of lenders and build finance strategies tailored to their goals.
📩 Send us a message on 0420 291 324 or book a free strategy session today.
Disclaimer: This post contains general information only and is not financial or tax advice. Please speak with your accountant or tax adviser regarding your personal circumstances.