Tax Accountant for Property, Share and Crypto Investors
Get every deduction you’re entitled to, report gains correctly and plan ahead for the proposed negative gearing and CGT changes.
The short answer
Under current law, rental losses can reduce your other income and assets held 12 months get a 50% CGT discount. The Government has announced changes to both from 1 July 2027 for some investments. They aren’t law yet, but they affect what you buy, when you sell and whose name it’s in.
What we help with
Rental property
Interest, repairs vs improvements, depreciation schedules, borrowing costs and apportioning private use.
Capital gains
Cost base records, main residence rules, the 6-year rule and timing of sales.
Shares & ETFs
Dividends and franking credits, AMIT statements, DRPs and parcel matching.
Crypto
Every swap is a CGT event. We reconcile exchange data and keep you in line with ATO data matching.
Structures
Personal names, joint, trust, company or SMSF. We compare tax now and later.
Victorian land tax
Land tax and vacant residential land tax, plus surcharges for trusts and companies.
Proposed changes from 1 July 2027
| Area | Current law | Proposed (not yet law) |
|---|---|---|
| Negative gearing | Rental losses can offset salary and other income | Limited for established residential property bought after 7:30pm AEST, 12 May 2026. New housing is proposed to keep current treatment. |
| CGT discount | 50% discount for individuals and trusts after 12 months | Replaced by indexation of the cost base plus a minimum tax on net gains. Gains up to 1 July 2027 proposed to be grandfathered. |
Common mistakes we fix
- Claiming initial repairs that are really capital improvements.
- Claiming interest on the part of a loan used for private purposes.
- Missing depreciation because there’s no quantity surveyor report.
- Splitting income and deductions differently from the legal ownership.
- Not reporting crypto-to-crypto swaps.
Large portfolio or family trust? See high net worth advice.
Frequently asked questions
Can I still negatively gear an investment property?
Yes, under current law. The Government has proposed limits for established homes bought after 12 May 2026, starting 1 July 2027. Properties held before then, and new builds, are proposed to keep current treatment. It isn’t law yet.
Is the 50% CGT discount going away?
It has been proposed. From 1 July 2027 the discount would be replaced with indexation and a minimum tax on gains. Gains before then are proposed to keep the current rules.
Is a repair deductible straight away?
A true repair that restores something to its original condition usually is. Fixing problems that existed when you bought the property, or improving it, is capital and is claimed over time.
Do I pay tax when I swap one crypto for another?
Yes. Each disposal, including a swap, is a CGT event. Records of the Australian dollar value at the time are needed.
Should I buy property in a trust or my own name?
It depends on your income, plans and the proposed trust and CGT changes. Trusts can’t pass losses to beneficiaries and pay higher Victorian land tax. We’ll compare the options.
Do I need a depreciation report?
For most buildings built after 1987 it’s worth it. The report usually pays for itself in the first year.