Tax and legal advice

Negative gearing debate to flare up again

By Tim Neary

Now that the election is behind us the removal of negative gearing seems to be off the table — but will property investors be faced with its reversal again in the future?

Mortgage Choice CEO, John Flavell, said negative gearing is unlikely to ever actually be eliminated, but it is sure to be discussed again the next time it becomes ‘politically expedient’ to bring it up.

Speaking at the Mortgage Choice annual financial results briefing in Sydney recently, Mr Flavell told Smart Property Investment that removing the negative gearing rule would adversely impact the very people it was originally put in place to protect.

He said that negative gearing on property was originally introduced to provide an incentive for everyday Australians to invest in property.

The idea of it, he added, was to make sure there was an available stock of affordable rental accommodation for people that otherwise would have had to have had public housing provided to them.

“And so the economics around that from the government's perspective makes a whole lot of sense,” he said.

Mr Flavell also said that removing negative gearing would create ‘other distortions’ in the market.

“Have a look at the change in the regulations in the buy-to-let market in the United Kingdom,” he added.

“The practical impacts have been that the market has frozen, the actual cost of property spiked, the availability of rental accommodation diminished and rentals have spiked,” Mr Flavell said.

On the recent negative gearing discussion, Mr Flavell acknowledged he was “dismayed but not surprised” that it had taken place.

“In simple terms, let me be cynical, I think it was just politically expedient in the lead up to an election.

“And guess what? The election has come and the election has gone, and I don't expect you'll hear any more of it for some time. Until such time as it becomes politically expedient to talk about it once again,” he said.

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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:

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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.

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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:

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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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