Property Tax Accountant for Investors
FOR PROPERTY INVESTORS · 2026 TAX CHANGES
Built a portfolio? The rules just changed underneath it.
Negative gearing, the CGT discount and trust taxation are all being rewritten from 2027. Most investors get advice one purchase at a time: a broker for the loan, a conveyancer for the contract, a surveyor for the depreciation schedule. Nobody looks at whether the structure holding the portfolio still works under the new rules. That's the work we do.
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Portfolio-wide structuring, not one property at a time
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Own name, trust, company and SMSF modelled before you buy
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Across the 2026 changes before they bite
Registered Tax Agents · Chartered Accountants ANZ · SMSF Association · 5.0★ Google
Is This You?
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You own one or more investment properties, or you are about to buy your next one
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You are deciding whether to buy in your own name, a trust, or an SMSF
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You're not sure what the 2026 tax changes mean for your portfolio
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You want a long-term structure, not just a return lodged once a year
The 2026 Budget: what's changing for property investors
The 2026-27 Federal Budget delivered the biggest shift in property taxation in a generation. If you own investment property, or plan to buy, three changes matter:
Negative gearing ends for established homes.
From 1 July 2027, rental losses on established residential properties purchased after 12 May 2026 can no longer be offset against salary or other income. New builds retain access. Properties purchased before Budget night continue under the existing rules.
The CGT discount is being replaced.
From 1 July 2027, the 50% CGT discount gives way to an indexation method with a 30% minimum tax on gains accruing after that date. Gains accrued beforehand keep the existing discount, which makes the 1 July 2027 valuation of every property you hold a critical number.
Trusts face a minimum tax.
From 1 July 2028, discretionary trusts are subject to a 30% minimum tax, changing the maths on trust-held property and distribution strategies.
Every portfolio is affected differently. Whether you hold two properties or ten, in your own name or through entities, the right response depends on your position, and the window to plan is now.
Book a consultation to review your position →How We Help
Property Investors
From the first structure to the tenth property, we cover the full arc: establishment, planning, compliance. Every service stands alone or combines into a full portfolio review.
Buying Structure Advice
Own name, trust, company or SMSF: each one changes the tax outcome for decades, and unwinding the wrong choice later means stamp duty and CGT that planning would have avoided. We model every option against your income, your family position and your borrowing before the contract is signed.
Includes: structure comparison modelling, entity establishment, land tax positioning by state
Portfolio Tax Planning
Negative gearing, capital gains timing and depreciation, managed across the whole portfolio rather than one property at a time. As the 2026 changes phase in, which entity holds which asset, and when you sell, matters more than it ever has. Every acquisition and sale gets considered as part of the bigger picture.
Includes: annual portfolio review, acquisition and disposal planning, depreciation strategy
SMSF Property
Buying property inside your fund is one of the most powerful moves in super, and one of the most technical: fund, bare trust, borrowing arrangement and compliance all sequenced correctly. We structure and administer the whole arrangement end to end, with a mortgage broker and buyers agent network to take it from advice through to settlement.
Includes: fund and bare trust establishment, borrowing arrangement structuring, ongoing fund administration
Investor Tax Compliance
Rental schedules, CGT events and depreciation across every property and every entity: captured properly, lodged on time, year after year. Compliance run by people who work in property tax every day, so nothing gets missed as the portfolio grows.
Includes: returns across all entities, CGT calculations, depreciation schedule coordination
Our consultation process
First we work out if we're right for each other.
Then we get to work.
Your Situation
Tell us where you're at and what you're building. We'll be straight about whether we're right for it.
Discovery Session
A short intro call. You tell us what you're after, we tell you how we work, and we take it from there.
You're In
The decision's made, the work begins. Structured onboarding, systems in place, underway from day one.
Why Investors Choose FTC
Buy, restructure, sell: the big calls deserve more than a quick opinion. When
one’s in front of you, we sit down and work it through properly.
It’s
why clients bring us the SMSF setup, the trust restructure and the property purchase, not
just the annual return.
We specialise in property. From the first investment to the full portfolio, it's what we do every day.
We see the whole portfolio. Every structure and every property, planned together.
We go beyond advice. Lending and buyers agent partners carry the strategy to settlement.
We're accountable. Registered Tax Agents, Chartered Accountants ANZ, SMSF Association.
If you’re building a portfolio, let’s find out if we’re right for each other.
Book a consultationFrequently Asked Questions
01 Do I need an accountant for my investment property?
If you own one property in your own name, a standard tax agent can lodge your return. Once you're building a portfolio, holding through entities, or planning a sale, specialist advice typically saves multiples of its cost, particularly under the post-2026 rules.
02 Can I still negatively gear an investment property?
Yes, for established properties purchased before 12 May 2026, existing rules continue. Purchases after that date lose access to negative gearing against salary income from 1 July 2027, though new builds retain it.
03 What happens to the 50% CGT discount?
It's being replaced from 1 July 2027 with an indexation method and a 30% minimum tax, but only for gains accruing after that date. Your properties' value at 1 July 2027 becomes the reference point, which is why documentation now matters.
04 Should I buy my next property in a trust?
It depends on your income, your family situation, land tax in your state, and the 2028 trust changes. Sometimes yes, often no, the answer needs modelling, not a rule of thumb.
05 Can my SMSF buy property?
Yes, including with borrowing, through a limited recourse borrowing arrangement and bare trust. Rules in this area are changing from 2026, so current advice is essential before committing.
06 What does property tax advice cost?
Cost depends on your situation and what you actually need. We scope it with you and agree it upfront before any work begins.
Information on this page is general in nature and doesn’t account for your personal circumstances. Some 2026–27 Budget measures remain subject to the passage of legislation. Seek advice specific to your position before acting.