Tax and legal advice

Major parties given negative gearing warning

By Reporter

A peak property industry body has used a parliamentary committee submission to highlight the potential political consequences of changing negative gearing policy.

The Property Council of Australia claims 430,000 people living in marginal electorates would be impacted by changes to negative gearing, in a blunt message to both major parties in an election year.

It warned the Parliamentary Committee into Tax Deductibility that changing the policy would be to “play with the financial futures of 430,000 people who live in the most marginal seats”.

According to the Property Council, new data has revealed that more than 430,000 Australians who negative gear an investment property live in marginal seats held by the government and the opposition.

The ten most marginal Coalition seats have an average of 8,181 investment property owners and the ten most marginal Labor seats have an average of 8,357 property owners.

“To play with negative gearing is to play with the financial futures of 430,000 people who live in the most marginal seats. That’s enough voters to swing all of these seats eight and a half times over, a big political risk to take with people with a lot at stake,”  Property Council chief executive Ken Morrison said.

“There are 840,000 Australians with taxable incomes below $80,000 a year who negative gear. This includes 53,800 teachers, 52,000 retail workers, 35,900 nurses and midwives, 22,600 hospitality workers and 10,400 emergency services workers.

“Two million Australians own an investment property. These people are doing the right thing and investing for their retirement or putting away for a rainy day,” Mr Morrison said.

His comments come after Treasurer Scott Morrison asked the committee, in December 2015, to undertake an inquiry into the simplification of the personal and company income tax system.

Read more: 

Investors forced to stump up 2-3 times more income to service portfolio 

How your living expenses will affect your borrowing ability and is it time to chat to your lender? 

ASIC bans property adviser

Property to remain at top of ATO's hit-list 

Rate hikes a 'significant blow' to housing affordability 

 

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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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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.

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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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