Tax and legal advice

Calls to make negative gearing 'less appealing'

By Elyse Perrau

As debate about first home buyers and investor overactivity continues, one mortgage lender has suggested that changes to negative gearing may be an all-encompassing solution. 

HomeStart Finance, a first home buyer specialist owned by the South Australian Government, has responded to the release of last week’s tax discussion paper by calling for negative gearing to be changed – but not scrapped.

Chief executive John Oliver said the discussion paper provided an important opportunity to explore how elements of the tax system were impacting on the property market.

“Capital gains tax discounts and negative gearing have both been blamed for creating more investor activity and driving up property prices,” Mr Oliver said.

“If you wanted to reduce housing demand and slow the growth of house prices, you could make a very strong case that abolishing negative gearing would go a long way to achieving that.”

Mr Oliver said there was a risk that modifying negative gearing benefits could reduce the supply of rental properties in the market, which would push up rents.

“The solution may lie somewhere in-between, where negative gearing isn’t scrapped entirely but is modified in some way to make buying a home as an investment less appealing,” he said.

“This may achieve a middle ground where there is sufficient investor activity in the housing market balanced with a clear pathway into home ownership for first homebuyers.”

Meanwhile, Treasurer Joe Hockey has refused to rule out any changes to negative gearing and other tax concessions for investors.

Mr Hockey said the government was “very concerned” for first home buyers finding it hard to gain entry into the property market.

“One of the big areas of response is going to be supply and I'm also going to raise that with the [state] treasurers in the next couple of weeks,” he said.

“There are many other suggestions on the table and we welcome the input, but I'm not giving guarantees now.”

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With the softening market impacting property values in many parts of Australia, Sally Wood, Opteon state director for NSW, ACT and Qld joins us to discuss the importance of valuations in the current property market

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Joining host Phil Tarrant, Sally will draw on her 25 years of experience in valuation and discuss the processes involved in arriving at a value for a particular property. She will also share how that process differs between commercial and residential properties and the difficulties which regional property valuations can present.

Sally will unpack the importance and cost of regular valuations on your properties, discuss whether presentation and owner input can sway a valuation and share what you should look for when seeking a reputable property valuer.

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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Sydney
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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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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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