Tax and legal advice

Time’s up for negative gearing?

By James Mitchell, John Bastick & Vivienne Kelly

A leading economist has called on the federal government to end negative gearing to limit the potential damage of a dangerously overheated investor market.

The Bank of America Merrill Lynch’s chief economist, Saul Eslake, said the controversial property tax should be “grandfathered” – continued for those who currently use it and banned hereon in for everybody else.

Neither was Mr Eslake a fan of the RBA’s mooted changes to lending laws – where investor borrowing limits would be curbed – saying they wouldn’t work or, worse, would hurt those who are not the source of the problem.

He said ending tax concessions through negative gearing going forward was the “simple answer” without impacting those who already use it.

“If you grandfather it so that you’re not taking it away from the 15 per cent of the electorate who has it, then my view is: what’s the problem?” he said.

Mr Eslake agreed that the biggest hurdle to eliminating negative gearing was convincing politicians they wouldn’t be walloped at the ballot box by furious investors.

“If the government or the opposition were to present it properly, nor should there be a political backlash because they are not taking a privilege away from anyone who is currently enjoying it,” he said.

However, senior economist at the Domain Group, Dr Andrew Wilson, believes negative gearing is so entrenched, that the pros far outweigh the cons, and thus it’s here to stay.

Dr Wilson believes investors build the dwellings governments used to and “as investors, there are no guarantees that you’ll get your tenant, you’ll get your yield, you’ll get your cash flow, or your capital growth” and they should be duly compensated for that with tax concessions.

“If there’s no incentive the property market would be dead,” Dr Wilson told The Adviser. “Investors would take their money to equity markets or gold or stamp collecting.

“The argument against negative gearing is a nonsense; sure they might tinker with (the laws) at the edges, but it’s here to say,” he said.

Dr Wilson's comments echo those of Century 21 Australasia's owner and managing director Charles Tarbey, who at a media briefing on Monday morning, said the housing market's current issues relate back to supply, not investor spending or overactivity. 

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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
5 steps to take on low-risk property developments
Securing finance after life-changing events: ‘Cash flow is key’

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Tune in to the latest episode of Property Showcase, the podcast with the inside track on the products and businesses that will help turbocharge your portfolio, maximise returns and make your overall investment experience seamless and stress-free!

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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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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!

RELATED AREAS OF INTEREST:

How technology is changing the lending environment
Lessons from a falling market
APRA investor measures have ‘run beyond their usefulness’: industry body

 

AREAS MENTIONED:

Hobart
Bondi
Deception Bay

 

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Getting finance approved in this tightening lending environment

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