Mindset Property
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14/06/2026
From 1 July 2027, negative gearing can only be claimed each year on new builds — and the old CGT rules still apply to them
Sounds great on paper. Except most investors will read that and buy outer suburb house and land. So will every home buyer chasing a grant.
Fast forward 5 years and that suburb is drowning in new stock. Who’s buying yours? Not home buyers — they’ll buy newer for the grants. Not investors — they’ll buy brand new for the same negative gearing rules. You’re stuck holding stock nobody needs.
If negative gearing is part of your plan, the tax perks aren’t the problem — the location is. Small lot new builds in inner and middle ring suburbs get the same benefits, in suburbs with land that’s scarce, amenities that already exist, and people who already want to live there.
Want to know if a new build actually stacks up for you? Link in the bio — let’s see if we’re the right fit
Your government job is not your wealth strategy. It is your foundation.
I am Peter Theodoru and I spent over eight years working in government. On a government salary I built a property portfolio worth over $4 million. As a government worker you have one of the strongest borrowing profiles in Australia. Permanent income and job security are exactly what lenders want to see.
My clients Rowena and Jonah used that same foundation. Their off-market property grew by over $200,000 in just 18 months. Not from a pay rise. Not from a promotion. Not from waiting on the next EB agreement.
Ask yourself this. If your government salary disappeared tomorrow, what would your financial future actually look like?
Tag a government worker in your life who needs to hear this.
Everyone’s sleeping on Victoria right now.
While Brisbane and Perth get all the attention, smart property investors are quietly picking up properties across Melbourne and regional Victoria.
Click here to claim your Sponsored Listing.
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