Tax and legal advice

Interest expenses – when are they deductible?

By Phillip Tarrant

For most geared investors, interest is generally the largest deductible claimed against rental income, writes Shukri Barbara, so it demands the most attention

When interest on a loan helps to produce a rental loss over a financial year, an investment property is referred to as ‘negatively geared’ and the property can be ‘controlled’ using a small deposit with the help of a large loan.

The net loss is generally offset against the owner’s other income, reducing the tax payable, and this makes the investment property more attractive. Ensuring that interest can be claimed as a deductible is therefore critical.

For interest to be deductible, the principal loan funds borrowed have to be applied to an income/rental producing asset. Apportionment is necessary where the loan is used to fund both a rental investment and a private asset.

Record keeping is essential in these situations.

Many investments are acquired by couples, partners or families. When they have children, some couples lose an income as one stays home to look after the children. The other partner then uses their sole income to pay the interest on a loan that is in both their names.

So, is the working partner able to claim 100 per cent of the interest paid as a deduction on their tax return? The simple answer is no. A claim for deducting interest expenses can only be made on the basis of equity on the title.

If the stay at home partner has no other income, the net rental loss can be carried forward to offset income in subsequent years, but they lose out on tax savings in the current year.

Planning ahead can maximise tax benefits by changing the proportion of ownership – say from 50/50 to 99/1. This can be done for one property. Ownership of future acquisitions can also be framed to suit the circumstances where the stay at home partner returns to work.

Sometimes, interest and loan repayments made by members of a family syndicate are based on their capacity to pay and, as such, differ from the equity portions reflected on the title deed. Calculating an equalising factor is only available privately – for example, by agreeing that net proceeds after capital gains tax on sale be distributed to reflect the contributions.

Again, meticulous records need to be kept to avoid conflict.

Solutions that offer a faster reduction of a home loan balance while maximising deductions of interest on rental investments should be carefully scrutinised. ‘Split’ loans in their various forms generally mean interest on the investment loan is capitalised, while all income including rent is directed towards reducing the home loan with its non-deductible interest expense.

This type of arrangement is considered tax avoidance in its extreme forms. Interest on the capitalised interest is not deductible.

Given the attitude of the Australian Taxation Office (ATO) – and its access to data – it is recommended that rental income be deposited into the rental investment loan account to cover the interest expense. When rent is less than interest and other expenses, using another loan, including a line of credit, is practical.

The interest on that component should be deductible. Where the line of credit is also used for private expenditure, keep detailed records to calculate the deductible portions of interest and to explain to the ATO in case of an audit.

Detailed documentation is also recommended when consolidating several small loans into one or two new loans on a re-structure or when borrowing more to finance a next investment after a positive revaluation.

Records help to match interest expenses against the rental of each property thus minimising the chance of an ATO enquiry about why a claim for interest expenses has changed dramatically from the previous year.

Consulting your financial adviser or property tax specialist is always best before entering into a transaction.

Shukri Barbara is principal adviser at Property Tax Specialists www.propertytaxspecialists.com.au

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podcast

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A softening market can be a difficult time for a property investor with finance approval tightening and property capital growth slowing, and while many real estate agents are also feeling the squeeze McGrath Brighton Le Sands' Bill Tsounias claims it is simply the market returning to normal.

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In this episode of the Smart Property Investment Show, Bill joins host Phil Tarrant to share his thoughts on the current Sydney property market, and to share the shifts that he has seen in house and unit sale prices following their worst quarter in the past decade.

Bill will unpack why properties are spending longer on market, share what he believes property investors are doing wrong when trying to sell their properties and share the secrets to getting the best out of a real estate agent and an auction in the current softening market.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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Revesby
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Sans Souci
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Gavin Kemp and his now-fiancé bought their first property together after only six months of dating. They weren’t even living together at the time. Now, two years on, the pair have bought five properties, sold two and have a solid plan in place for their ongoing property journey. 

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In this episode of the Smart Property Investment Show, Gavin joins host Phil Tarrant to discuss how he chose the locations where he decided to invest and how, due to the initial lack of education (something that he now values highly), he lost money on his first two investments.

Gavin will share his thoughts on the current property market, reveal the people who he has leaned on throughout his property journey and discuss why his strategy employs a zero procrastination rule.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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A joint property portfolio before they were even living together
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As the investment market tightens are you looking to learn something that will help you realign or readjust your property goals? In this episode of The Smart Property Investment Show, first time on the podcast Lisa Porter joins host Phil Tarrant to talk about the gems and wisdom associated with her modest portfolio of ‘only’ six properties.

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Listen now as Lisa and host Phil Tarrant discuss how her property journey started in the UK, with the purchase of a rough unit in a lower-socio suburb of South London. Lisa breaks down how that first purchase provided her greatest lesson, one she still applies today - turn off the noise, don’t worry too much about the peripheries and just get on with it.

The pair also discuss how property has given Lisa so much extra value in her life, not just building an asset base and heaps of enjoyment, but it also how it changed the trajectory of her career. Women, she says, shouldn’t be fearful of being proactive and taking control of the direction of their family’s financial future.  

 

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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Walking and talking property investment with Lisa Porter – therapy, empowerment, education and inspiration

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