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Budget Strategy Guide – Property & Lending Scenario Map
Mum & Dad Investor Buying Established Property
Proposed Changes
Possible negative gearing limitations on established property purchased after 12 May 2026.
Possible negative gearing limitations on established property purchased after 12 May 2026.
Strategic Considerations
Cash flow and borrowing capacity may become more important.
Cash flow and borrowing capacity may become more important.
Possible Alternatives
New builds, higher yield property, debt reduction.
New builds, higher yield property, debt reduction.
Important Watchouts
Measures not legislated. Lender servicing policy may vary.
Measures not legislated. Lender servicing policy may vary.
Mum & Dad Investor Buying New Build
Proposed Changes
New builds that increase housing supply may receive more favourable treatment.
New builds that increase housing supply may receive more favourable treatment.
Strategic Considerations
Depreciation and cash flow remain important.
Depreciation and cash flow remain important.
Possible Alternatives
House & land, dual occupancy, off the plan.
House & land, dual occupancy, off the plan.
Important Watchouts
Definitions and qualifying criteria still unclear.
Definitions and qualifying criteria still unclear.
First Home Buyer
Proposed Changes
Measures appear designed to improve owner occupier competitiveness.
Measures appear designed to improve owner occupier competitiveness.
Strategic Considerations
Affordability and borrowing capacity become central.
Affordability and borrowing capacity become central.
Possible Alternatives
Regional markets, smaller assets, rentvesting.
Regional markets, smaller assets, rentvesting.
Important Watchouts
Deposit buffers remain important.
Deposit buffers remain important.
Existing Investment Holding
Proposed Changes
Existing holdings acquired before 12 May 2026 may be grandfathered.
Existing holdings acquired before 12 May 2026 may be grandfathered.
Strategic Considerations
Portfolio reviews and refinancing discussions.
Portfolio reviews and refinancing discussions.
Possible Alternatives
Equity release and debt recycling.
Equity release and debt recycling.
Important Watchouts
Future legislation details unknown.
Future legislation details unknown.
Professional Investor
Proposed Changes
Greater focus on structures and retained earnings.
Greater focus on structures and retained earnings.
Strategic Considerations
Long term planning and diversification.
Long term planning and diversification.
Possible Alternatives
Companies, SMSF, commercial assets.
Companies, SMSF, commercial assets.
Important Watchouts
Complex advice required.
Complex advice required.
Trust Borrower
Proposed Changes
Potential trust distribution and structure impacts.
Potential trust distribution and structure impacts.
Strategic Considerations
Trust flexibility and tax outcomes may change.
Trust flexibility and tax outcomes may change.
Possible Alternatives
Company structures and direct ownership.
Company structures and direct ownership.
Important Watchouts
Trust deed reviews important.
Trust deed reviews important.
Company Borrower
Proposed Changes
Company structures may sit outside some proposed limitations.
Company structures may sit outside some proposed limitations.
Strategic Considerations
Tax, extraction and asset protection trade offs.
Tax, extraction and asset protection trade offs.
Possible Alternatives
Property in company, portfolio structuring.
Property in company, portfolio structuring.
Important Watchouts
Company tax and compliance costs.
Company tax and compliance costs.
SMSF Borrower
Proposed Changes
Current commentary suggests SMSFs may be treated differently.
Current commentary suggests SMSFs may be treated differently.
Strategic Considerations
Long term retirement planning focus.
Long term retirement planning focus.
Possible Alternatives
Residential and commercial SMSF property.
Residential and commercial SMSF property.
Important Watchouts
Superannuation rules and compliance.
Superannuation rules and compliance.
Knock Down Rebuild / Duplex
Proposed Changes
Projects genuinely increasing housing supply may receive concessions.
Projects genuinely increasing housing supply may receive concessions.
Strategic Considerations
Focus on value add and density.
Focus on value add and density.
Possible Alternatives
Duplex, granny flat, subdivision.
Duplex, granny flat, subdivision.
Important Watchouts
Construction risk and council approvals.
Construction risk and council approvals.
Yield & Depreciation Focused Investor
Proposed Changes
Potential changes to CGT discount and indexation discussions.
Potential changes to CGT discount and indexation discussions.
Strategic Considerations
Focus on after tax outcomes and income quality.
Focus on after tax outcomes and income quality.
Possible Alternatives
High yield markets and strong depreciation assets.
High yield markets and strong depreciation assets.
Important Watchouts
ATO guidance and modelling impacts.
ATO guidance and modelling impacts.
At Gillard Finance Brokers, our focus is simple – we care about our clients, their goals, their families, and their future.
Finance isn’t just about interest rates. It’s about structure, strategy, and understanding how every decision affects the bigger picture of your business and family income.