The Budget Has Changed the Rules.
What Are Your Property Investment Options Now?
The 2026 Federal Budget introduced changes to the tax rules around property investing. If you're earning good money working FIFO, it may be worth reviewing what those changes could mean for your existing investments or next property decision.
5 quick questions • Around 60 seconds
The short version
What changed?
Two key changes have been legislated and are scheduled to commence from 1 July 2027. How they apply depends on when and what you bought, so it's worth checking the official detail.
Negative gearing
From 1 July 2027, negative gearing is limited to new builds. Losses on established residential properties bought after 7:30pm AEST on 12 May 2026 can't be deducted against wages and other income. Properties held before Budget night keep existing arrangements, and investors in new builds can still deduct losses from other income.
Capital gains tax
From 1 July 2027, the 50% CGT discount is replaced with an inflation-based discount and a minimum 30% tax on gains. It applies prospectively, to gains arising after 1 July 2027, and investors in new builds can choose the 50% discount or the new arrangements.
What you'll explore
Your current position
See which parts of the changes are relevant to the property you already own — or don't yet.
Approaches worth investigating
Get pointed to the pathways people in a similar situation commonly look into.
Timing before your next move
Understand why the 1 July 2027 start date matters when planning your next step.
Find out what your options are now
5 quick questions • Around 60 seconds