Three free tools that tell you where you stand, how much it costs you, and whether you should sell, hold, or switch to a new build.
Each tool builds on the last — your details carry across automatically so you never have to re-enter anything.
The reforms target established investment properties. New builds are exempt — the government wants to keep incentives for new housing supply.
If your rental property costs more than it earns — in mortgage interest, rates, insurance, and maintenance — you can claim the loss against your personal income, reducing your tax bill. This applies to all established and new build properties.
Negative gearing will only be available on newly constructed properties. Established properties purchased before 12 May 2026 are grandfathered — but the deduction disappears from July 2027 regardless. New builds are fully protected.
If you sell an investment property you've held for more than a year, only half the capital gain is included in your taxable income. This significantly reduces the tax hit on profitable sales.
The flat 50% discount is replaced with an inflation-adjusted discount. For properties with strong growth, this likely means paying more CGT on sale. The exact impact depends on how long you've held the property and how much it's grown.
Not entirely. Properties bought before 12 May 2026 are grandfathered from the new rules — meaning you won't suddenly lose your negative gearing entitlement overnight. However the deduction still disappears from July 2027 for established properties, regardless of when you bought. So you have time to plan, but not forever.
Yes. The government is keeping negative gearing in place for newly constructed homes to encourage housing supply. If your property is a brand new build — a newly constructed house or apartment — the changes don't affect your negative gearing deduction. The CGT changes may still apply if you sell.
Joint ownership means the rental income, expenses, and losses are split based on your ownership percentage. Each partner claims their share against their own individual income at their own marginal tax rate. Our tools let you set your ownership share so the calculations reflect your actual position.
No. GearingGuide is a free educational tool designed to help you understand your position and ask the right questions. The results are estimates based on general tax rates and assumptions — your actual situation may differ. We always recommend speaking with a qualified property accountant or financial advisor before making any decisions.
The property numbers you enter into the calculator and Sell or Hold tool are processed entirely in your browser — they are never stored or sent anywhere. The only information we collect is your name, email, and phone number when you choose to unlock your results or request a specialist. We never sell your data to third parties.
The window to act under the current rules is closing. It takes 60 seconds to find out where you stand — and it's completely free.
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