The Property Now Podcast

How to Beat The Negative Gearing Changes [Investor Playbook]

Matt Ellul Episode 5

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0:00 | 28:51

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In this episode, Matt breaks down exactly what the 2026 negative gearing and capital gains tax changes mean for Australian property investors and why the media is getting it wrong. This isn't about panic-selling or giving up on property. It's about understanding which properties get hurt, which structures now win, and how the prepared investor uses this reset as an opportunity to pull further ahead of the pack.


◼️ What the negative gearing changes actually mean and why the media coverage is misleading
◼️ The types of properties that will struggle most under the new rules and what to avoid
◼️ Why positively geared and cash flow neutral properties are now the smartest strategic move
◼️ How the wrong ownership structure will cost you and which structures now win
◼️ Why self-managed super funds are becoming the most powerful property investment vehicle in Australia
◼️ The tax advantages of new builds that remain fully intact under the new rules
◼️ Why dual income properties and dual key homes will define the next decade of investing
◼️ The capital gains tax changes and why never selling is now more important than ever
◼️ Why the investors who panic and sell will hand their wealth directly to the investors who plan


00:00:00 Introduction
00:00:38 What the Negative Gearing Changes Actually Mean
00:01:45 What the Media Is Getting Wrong About the Changes
00:03:10 The Properties That Get Hurt Most Under the New Rules
00:05:20 High-End Properties in Low-Growth Markets: Why They Are Exposed
00:07:00 Older Established Properties and the Depreciation Problem
00:08:30 The Danger of Holding Property in the Wrong Structure
00:10:15 The Strategic Shift Towards Cash Flow Positive Investing
00:12:40 How Positively Geared Properties Strengthen Your Borrowing Capacity
00:14:05 Dual Income Properties and the Rise of Dual Key Homes
00:16:20 Structures That Win Company Tax Rates vs. Individual Tax Rates
00:18:00 Why Self-Managed Super Funds Are Now the Biggest Opportunity
00:21:10 New Builds, Depreciation, and the Tax Advantages That Remain
00:24:30 Capital Gains Tax Changes and Why You Must Never Sell
00:26:45 Final Take: The Prepared Investor Wins the Reset


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