Frequently asked questions

A property is negatively geared when its deductible expenses, including loan interest, are more than the rent it earns. Under the current rules, the net rental loss can generally be offset against your other income, such as your salary. From 1 July 2027, offsetting residential rental losses against other income is generally restricted to qualifying new builds and properties held at 7:30 pm (AEST) on 12 May 2026. A tax loss doesn’t always mean a cash loss, so we look at your cash flow and what happens when you sell.

Generally, a net capital gain is included in your taxable income. Under the current rules, Australian resident individuals who have held the property for at least 12 months can generally reduce the gain by 50% (the CGT discount), subject to eligibility and adjustments for periods of foreign or temporary residency. For gains accruing from 1 July 2027, the reforms generally replace the 50% discount with cost base indexation and introduce a 30% minimum tax on relevant capital gains, subject to transitional rules and exceptions. A property that has only ever been rented out generally doesn’t qualify for the main residence exemption, and foreign residents generally can’t claim that exemption, with limited exceptions. Talk to us before you sign a contract to sell.

If you’re a foreign resident for tax purposes and earn rent from an Australian property, you generally need to lodge an Australian tax return to declare that rent. Foreign resident individuals have no tax-free threshold and pay tax at foreign resident rates, but don’t pay the Medicare levy. Your residency depends on your circumstances, so we check it first.

Yes, subject to the foreign investment rules and current purchase restrictions. From 1 April 2025 to 30 June 2029, foreign persons are generally banned from buying established dwellings in Australia, with limited exceptions. We help with the paperwork and lodgement of foreign investment (FIRB) applications, working with your lawyer, and advise on the tax effect of your purchase structure. Victorian land transfer duty, foreign purchaser additional duty and the absentee owner surcharge on land tax may also apply under separate rules.

A personal tax return starts from $330 incl. GST, with rental properties and investments added on. All You Need Investor, which covers your tax return, one rental property and year-round investor support, starts from $82.50 a month incl. GST. Selling an investment property starts from $495 incl. GST. We agree the scope and fee with you in writing before work starts.