Rustik Realty

The property investment game in Australia is changing — and it’s changing in favour of NEW property.

Under the proposed Labor Government changes, investors buying existing properties may lose access to key tax benefits like:

• Negative gearing
• The 50% Capital Gains Tax discount

That means if an existing investment property is running at a loss, investors may no longer be able to offset that loss against their taxable income. When selling, they may also face significantly higher capital gains tax.

But NEW property builds are a different story.

Investors purchasing NEW properties are expected to still retain:

✔ Negative gearing benefits
✔ Depreciation benefits
✔ Access to the 50% CGT discount
✔ The option to choose between the traditional CGT discount or the new inflation-based CGT calculation

These changes are proposed to apply to capital gains made after 1 July 2027.

This could make new property one of the most tax-effective ways to build wealth moving forward.

As property investors ourselves, we understand the process firsthand. We help clients find quality new property opportunities and guide them through every stage — from finance to property management once completed.

If you’ve been thinking about investing, now is the time to understand how these changes could impact your strategy.

Message me if you’d like to explore some great new investment opportunities.

Good News for First Home Buyers!

The Australian Government’s Help to Buy shared equity scheme is available for the next 4 years, with 10,000 places released each year.

✅ Buy with as little as a 2% deposit
✅ No Lenders Mortgage Insurance (LMI)
✅ Government contributes up to 40% for new homes or 30% for existing homes
✅ Smaller loan amounts and lower repayments

This could be a great opportunity to enter the property market sooner with less upfront cost.

If you’d like to check your eligibility or explore suitable properties, feel free to send me a message.

Struggling with borrowing capacity? You’re not alone.

Clearance rates have dropped from around 60% to under 50%. Mainly because buyers simply can’t borrow enough to keep up with prices.

But there are still options.

In Queensland, eligible buyers may be able to access government-supported shared equity pathways (such as 40/60 or 30/70 style arrangements), which can reduce the loan amount you need and make home ownership more achievable, even on an average income.

If a bank has told you “no,” it may just mean you need a different strategy, not that you can’t buy.

Book a free “Find Your Home” consultation today
Let’s see what you can actually afford and what options are available right now.

Call to get started or message me directly.