Federal Budget 2026: What the Proposed Negative Gearing and CGT Changes Could Mean
The 2026 Federal Budget includes proposed changes that could reshape how investors assess established property, new builds and cash-flow-focused strategies.
Property investment is changing quickly. Interest rates, government policy, tax settings, rental demand, construction costs and lending conditions can all affect whether a property investment makes sense.
This resource centre is designed to help Australian investors understand the numbers, risks and strategy behind high-yield property options including SDA, co-living, dual-income and selected residential investments.
"The goal is not to promote one strategy to everyone. The goal is to help you ask better questions before committing your capital."
Stay informed with the latest policy changes, rate movements and market data that impact your property investment decisions.
The 2026–27 Federal Budget proposes major changes to negative gearing and capital gains tax. From 1 July 2027, negative gearing benefits are proposed to be limited to new residential properties.
Why it matters: These changes could make the distinction between new builds, established properties, cash-flow-positive assets and specialist housing strategies more important.
The RBA increased the cash rate by 0.25 percentage points in May 2026, taking the target cash rate to 4.35%. This followed earlier increases in February and March 2026.
Why it matters: Higher rates affect borrowing capacity, monthly repayments, lender serviceability and the cash-flow position of investment properties.
National dwelling values up 2.1% over the March 2026 quarter. Darwin, Perth, Brisbane, Adelaide and selected regional markets have shown stronger momentum than Sydney and Melbourne.
Why it matters: Growth markets are not always the best investment markets. A high-growth location still needs to be tested against rental demand, entry price and vacancy risk.
Estimate cash flow, loan repayments, management costs, tax position and depreciation impact before committing to a property. Designed for Australian investors comparing standard residential, dual-income, co-living and selected specialist property opportunities.
Each property strategy has different risks, returns, and suitability factors. Learn what makes each approach distinct before deciding which path fits your goals.
Specialist Disability Accommodation offers attractive income potential through NDIS pricing, but requires understanding of participant demand, provider quality, and design categories.
Co-living can provide stronger rental income than standard single-tenancy homes, but only when designed, approved and managed correctly with proper compliance.
Properties configured to generate income from multiple sources, such as a principal residence with a granny flat or dual-tenant arrangements.
Traditional residential property investment with potential for capital growth, rental income, and tax benefits through negative gearing.
Before reviewing property opportunities, it helps to understand your borrowing position, investment timeline, risk tolerance and preferred strategy.
Complete the quick readiness check so Ian can better understand whether SDA, co-living, dual-income or another property strategy may be worth exploring.
Take the Readiness CheckBefore investing again, many homeowners need to understand their current equity position. A quick online estimate is not a formal bank valuation, but it can be a useful starting point.
Get an estimated property value in under a minute using realEstimate™ tool.
Check your estimateHome Price Guide allows users to search by property address, street, suburb or building.
View price guideProperty research, value estimates, rental estimates and property history.
Research propertyUse these tools as a starting point only. Your borrowing capacity will still depend on lender policy, income verification, existing debts, credit conduct and the valuation accepted by the lender. For a comprehensive assessment, speak with Ian.
Practical guides and analysis to help Australian investors make informed decisions about property opportunities.
The 2026 Federal Budget includes proposed changes that could reshape how investors assess established property, new builds and cash-flow-focused strategies.
The RBA's May 2026 cash rate increase to 4.35% is a reminder that property investors should never assess an opportunity on rent alone.
SDA property can look highly attractive on paper, but the real due diligence is in the detail. This guide explains the critical questions to ask.
Co-living can be a powerful investment strategy when done correctly. But the difference between success and problems often comes down to compliance and management.
Strong recent growth can attract investor attention, but it can also mean affordability is stretched. Learn how to assess growth markets properly.
Get an independent second opinion on any property investment before you sign. Ian can review the numbers, strategy and structure.
Get a Second OpinionProperty investment is not one-size-fits-all. Whether you're considering SDA, co-living, dual-income or traditional residential, understanding whether the numbers make sense for your specific position is the most important step.