07/07/2026
π¨ BIG CHANGES TO NEGATIVE GEARING ARE COMING! π‘
If you're planning to buy an investment property, these changes could significantly impact your tax benefits.
π
From 1 July 2027:
β
New Build Investment Properties
β’ Negative gearing will generally continue to be available.
β Established Investment Properties
β’ 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.
β
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?
βοΈ Cash flow will become more important than ever.
βοΈ New build properties may become more attractive.
βοΈ 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.
π 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.
π© 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.