My Personal Take on the Proposed Investment Property Changes

The proposed changes to negative gearing are still a hot topic whenever investment properties are mentioned. Rather than commenting on the politics, I thought I'd share what I personally think based on what I know so far.

Personally, if the right opportunity came along, I wouldn't hesitate to build another new investment property, as it should remain eligible for negative gearing under the proposed rules. But if I decide to buy an established property in the future, I'd likely direct any spare cash towards reducing the loan on that established property first, allowing it to become positively geared sooner. I don't mind if my older investment properties remain negatively geared for longer.

However, it's very important to note that this is simply my personal strategy based on my own circumstances as of today (2nd July 2026). It may or may not be the right strategy for others.

As I always say, everyone's situation is different, depending on factors such as income, existing loans, ownership structure, cash flow, long-term goals and many other financial considerations. My "best strategy" could be completely wrong for someone else.

My advice is not to make major investment decisions based solely on headlines or someone else's strategy (yes, even mine). Make sure your strategy fits you and your circumstances.

But of course, nothing is confirmed until it's confirmed. The legislation hasn't passed yet, so my own strategy may even change as the situation evolves.

We're always happy to chat as this topic is still one of our personal favourites. Give us a call if you're thinking of buying or selling, and we can go over the numbers as well as the pros and cons!

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