My Perspective On Australia’s New CGT & Negative Gearing Changes, As Featured In Mortgage Professional Australia
I was recently featured in Mortgage Professional Australia, sharing my perspective on the federal government’s announced changes to negative gearing and capital gains tax concessions, and what they could mean for Australian property buyers.
The article looked at how the upcoming reforms could change the way investors approach residential property, particularly with negative gearing set to be limited to newly built dwellings from 1 July 2027.
While much of the discussion has focused on what investors may lose, I believe there is another important part of the conversation that should not be overlooked: the family home.
While investor tax concessions are changing, the family home remains one of the most tax-effective wealth-building tools available to Australians.
Under the current rules, the principal place of residence exemption allows owner-occupiers to sell their home without paying capital gains tax on any profit made. That exemption is not being changed under the announced reforms.
For homeowners and future homeowners, this is a significant point. It reinforces the importance of choosing the right home, not just for your immediate lifestyle needs, but for your long-term financial position as well.
Why The Right Home Still Matters
Most Australians will buy and sell several homes over their lifetime. Your first home, next home or forever home can all play a role in your broader wealth-building journey.
That is why it is important to look beyond the surface features of a property and consider the fundamentals that support long-term demand and capital growth.
A home should suit the way you live now, but it should also make sense when it comes time to sell, upgrade or move again.
In the article, I discussed several factors buyers should consider, including location, land value, resale appeal, renovation potential, transport links, lifestyle amenities and school zones.
I also cautioned against properties with features that can limit future growth, such as main-road frontage or proximity to certain commercial uses. These details may not seem significant at first, but they can make a real difference to long-term performance and resale demand.
A Time To Plan, Not Panic
With the changes due to take effect from 1 July 2027, buyers and existing property owners still have time to assess their position carefully and make considered decisions.
This is not a reason to rush into a poor purchase. It is a reason to plan carefully and buy well.
For Brisbane buyers, the key message remains the same: well-located property, bought within your means and improved over time, can still be a powerful long-term asset.
The tax landscape may be changing, but the fundamentals of good property buying have not.
Read the full article on the Mortgage Professional Australia (MPA) website below.
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