05/06/2026
🏠 The property isn’t always the problem.
Sometimes, the structure is.
Many investors ask:
“Which property should I buy next?”
But the smarter question may be:
“Will this structure still allow me to buy the property after that?”
With proposed changes around negative gearing, CGT and discretionary trusts, the way a property is owned may become even more important. The Government has proposed limiting negative gearing for future residential investment properties to new builds from 1 July 2027, changing CGT treatment, and introducing a 30% minimum tax for discretionary trusts.
That means investors should be careful before rushing into the next purchase without reviewing the bigger picture.
Personal name. Trust. Company. SMSF.
Each structure may affect borrowing capacity, cash flow, tax outcomes, debt exposure and future lending flexibility differently.
A good property in the wrong structure may still create problems later.
Before signing a contract, speak with your accountant, financial adviser, solicitor and broker.
At Lend Hub, we help clients understand the lending side clearly before they commit — so the finance structure supports the long-term plan.
📩 Thinking about your next property, SMSF loan or investment structure? Ask the question early.
⚠ General information only. This is not tax, legal or financial advice. Credit assistance is subject to lender policy, eligibility and approval. Please seek advice specific to your circumstances.
Lend Hub Pty Ltd
Borrowing got easier
www.lendhub.au
