Negative gearing limited to new builds from 1 July 2027, the CGT discount replaced, lenders already tightening. This guide sets out the rules, the dates and the numbers.
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Every figure is dated and traceable to a public source. The last section of the guide lists them.
Which purchases are grandfathered, what changes on 1 July 2027 and what is still undefined.
Rental shading, the 3% buffer, the DTI cap and the May 2026 servicing changes that cut borrowing power.
Stamp duty on $750,000 in three states, LMI at 90%, land tax thresholds and deductions that survive.
Values falling, rents rising, yields improving
Negative gearing, CGT and the 12 May line
The buffer, the shading, the cap and the DTI limit
Where the deposit comes from when you already own
Duty, LMI, inspections and the foreign buyer rules
Depreciation, land tax and the levies most investors miss
New against established, and the cash flow arithmetic
The file the credit assessor will read
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