Tax and legal advice
Damian Collins

Top 4 tax tips for property investors

By Damian Collins

Investors can save thousands of dollars by having a firm understanding of the ins and outs of property tax.

Blogger: Damian Collins, managing director, Momentum Wealth

These tips are some of the most common and basic ways for investors to minimise their tax bills:

  1. Maximise depreciation claims

There are certain items that can be claimed on an investment property. These are items deemed as ‘plant and equipment’, and are treated separately to the dwelling. Items are deemed as plant and equipment depending on several factors, including how permanently they are attached to the building or land. Items that can typically be claimed include:

  • Carpets
  • Air-conditioning units
  • Blinds
  • Ceiling fans
  • Appliances, such as ovens and hotplates

A full list of depreciable items is available from the Australian Taxation Office. It can be beneficial to engage a quantity surveyor to assess what items you can depreciate.

  1. Optimise portfolio structures

The ownership structure of a property portfolio can have a big impact on the amount of tax payable. For couples, as a general rule, negatively geared property should be in the name of the highest income earner, while positively geared property should be in the name of the lowest income earner. Transferring property can be costly, so it’s best to plan ahead and set the structure correctly from the start.

  1. Claim travel expenses

In some situations, travel expenses can be claimed as tax deductions. Meals, transportation and accommodation can be deductible in certain circumstances, including when preparing a property for lease, during rent collection or for inspections and maintenance.

  1. Investing via SMSF

While they may not be suitable for everyone, investments via a self-managed super fund (SMSF) may be an attractive option for some. An SMSF pays relatively low tax rates. Superannuation funds only pay 15 per cent income tax and 10 per cent capital gains tax during the accumulation phase and 0 per cent tax in the pension phase for most investors.

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About the Blogger

Damian Collins

Damian Collins

Damian Collins is the founder and managing director of Momentum Wealth, a Perth-based property investment consultancy that specialises in building the long-term wealth of its clients by assisting in the strategic planning, financing, acquisition, development and management of their investment properties.

FROM THE WEB

podcast

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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
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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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    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!

RELATED AREAS OF INTEREST:

How technology is changing the lending environment
Lessons from a falling market
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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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