Property & negative gearing

Property can build wealth, but only if the numbers work in the real world. We help you get clear on the after-tax impact of each property, stay in control of your rental records and returns, and plan ahead for capital gains tax so your portfolio supports your progress, not your stress levels.

Is this you?

Already negatively geared

You already own one or more rental properties and see a loss each year. You want to confirm you are claiming everything correctly, understand the true after-tax cost and check whether the strategy still makes sense at current interest rates.

Thinking about buying

You are considering an investment property and want to see the real numbers – after tax and after cashflow – not just the marketing brochure. You also want guidance on whose name or which structure to use from a tax and risk point of view.

Planning a sale

You are thinking about selling and want a clear view of the likely capital gains tax position, including how long you have held the property, what you have spent on it and how prior depreciation claims affect the final gain.

Quickly estimate the CGT on a potential sale.

How we help property investors

Get the annual return right

We make sure your rental schedules are complete and correctly treated so your claims are defensible and you are not leaving money on the table:

  • Interest, property agent fees and other running costs
  • Repairs versus improvements (immediate deduction vs capital works)
  • Depreciation and capital works deductions where applicable
  • Correct split of income and expenses across joint owners

Understand the cashflow impact

We translate the numbers into plain English so you can see how each property is really performing:

  • How much the property is costing or generating after tax
  • What changes if interest rates move or rent increases
  • Whether your overall portfolio is carrying more risk than you are comfortable with

Plan for capital gains tax

Before you sell, we model the likely capital gain and tax so you can plan with eyes open:

  • Cost base elements including purchase costs and capital improvements
  • Eligibility for the 50% CGT discount where the property has been held for more than 12 months
  • Depreciation and capital works claimed over time – and how these reduce the cost base and increase the taxable gain when you sell

How we work with property investors

1. Review your position

We collect details of your properties, loans and rental schedules, and review your past returns to see how things have been treated so far. This gives us a clear starting point and highlights any obvious gaps.

2. Identify improvements

We highlight missed deductions, issues with previous treatment and opportunities to improve your after-tax cashflow or prepare for a future sale. You stay in control of which changes to implement and when.

3. Ongoing support

Each year we update the numbers, talk through the results and help you decide what to keep, pay down or potentially sell – with the tax position clearly explained so your next step supports long-term progress.

Discuss your property position

Run the numbers on your property

Use these simple calculators to get a rough idea of the tax impact before you make your next move.

Negative gearing impact

Estimate how a rental profit or loss will change your annual tax bill. Enter your income, rent, interest and rental deductions to see the after-tax effect on your cashflow.

Capital gains tax on a sale

Estimate the extra tax from a future sale based on your share of the sale price and cost base, including the 50% CGT discount if it applies.

Working out indicative fees

We believe in transparent pricing. Use our interactive fee estimator to get an indicative quote based on your specific situation. The estimator covers individual tax returns, rental properties, share trading and more, so you can have more clarity on costs before we start.

Get a fee estimate