Tax and legal advice

10 Tax Tips For Your Rental Property

By Adrian Raftery

adrian raftery tnOver 1.8 million people claimed more than $38.5 billion in rental deductions in their tax return last year.  With June 30 rapidly approaching, it is time to do some urgent tax planning.  Here are some excellent tips for you to action and maximise your tax refund from your rental property this year.  

Blogger: Adrian Raftery, 101 Ways to Save Money on Your Tax - Legally!

1. Initial repairs

A common mistake is to claim initial repairs or capital improvements as an immediate deduction.  Initial repairs to rectify damage, defects or deterioration that existed at the time of purchasing a property are generally considered capital in nature and not deductible, even if you carried them out to make the property suitable for renting.  Depreciation could be claimed on this expenditure as a capital works deduction over 40 years.

2. Prepay interest

If you are expecting that you will have a lower income next year (due to factors such as maternity leave or redundancy) then why not prepay interest for up to 12 months in advance before year end on your rental property and reduce your higher income this year. 

3. Depreciation schedule

If your investment property was built after 18 July 1985 then it is definitely worthwhile organising a depreciation schedule from a quantity surveyor.  You should be able to recoup their fee in your first tax return as deductions can be in the thousands each year.  

4. Travel to see your property

The old wives’ tale of claiming two trips per year is hogwash.  You can claim as many trips as you like so long as the purpose of the trip is to genuinely inspect the property and you don’t tag a family holiday onto it.

5. PAYG Withholding Variation

Negatively gearing a property and struggled with cash flow over the last 12 months? Don’t want to wait all year for a juicy refund again next year?  Then why not arrange a “mini-tax return” called a PAYG Withholding Variation Application and have less tax taken out of each pay packet. 

6. Foreign investment properties

The ATO is also cracking down on taxpayers with properties overseas as they get more data each year from other tax jurisdictions.  Make sure that you disclose any income that you receive as you are taxed on worldwide income as an Australian tax resident.  These properties can be potentially “negatively geared” as you can claim deductions such as interest, repairs, rates and insurance on these properties.

7. Keep your receipts

Each year the ATO makes contact with many thousands of taxpayers with rental properties.  With the ATO increasing their audit activity this year yet again it is important that you can explain and justify your claim.  The ATO motto is no receipt = no deduction so you could be costing yourself $$$ by not keeping those dockets!

8. Minimise capital gains tax (CGT)

If you are trying to sell your property and about crystallising a nice capital gain or two then consider exchanging contracts after 1 July to defer tax for another year.  And remember that if you hold your investment property for more than 12 months you reduce CGT by half.

9. Get a great accountant

Avoid paying too much in tax or leaving yourself to a visit from the taxman.  Great accountants are like surveyors ... they know where the boundaries are.  And their fees are tax deductible!

10. Just do it!

You now have got some great tax tips, it’s time to take action.  Times are tough so every dollar saved counts.  

This information is of a general nature only and does not constitute professional advice. You must seek professional advice in relation to your particular circumstances before acting.


About Adrian Raftery
adrian rafteryThese tips were provided by Mr Taxman, Adrian Raftery, author of 101 Ways to Save Money on Your Tax - Legally! 2013-14 edition (Wrightbooks, June 2013, AU$24.95).

@mistertaxman

www.mrtaxman.com.au

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In this episode of the Smart Property Investment Show, Dominique Grubisa joins host Phil Tarrant to share her personal story which saw her hit rock bottom with excessive debt during the GFC.

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Dominique unpacks how, by relying on her background in law, she was able to overcome that debt and in doing so develop a unique investment strategy which she believes many can utilise today.

Dominique discusses distressed properties, and how she goes about finding them in order to buy property well below market value. She shares the process of identifying distressed properties as well as the controversy surrounding this buying method.

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!

RELATED AREAS OF INTEREST:

3 big property investment myths busted open
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To hear more about these services, make sure to tune into this episode of Property Showcase!

 Make sure you never miss an episode by subscribing to us now on iTunes!

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    In this episode of Property Showcase, Michael Beresford joins editor of Wealth James Mitchell to unpack why recent political changes are not reason for concern for Australian investors.<\/p>\r\n

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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.

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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AREAS MENTIONED:

Hobart
Bondi
Deception Bay

 

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Getting finance approved in this tightening lending environment

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