Tax and legal advice

Property investors could be big budget losers, says tax expert

By Tim Neary

Treasurer Scott Morrison’s 2017 federal budget includes proposed changes that will affect residential property investors Australia-wide, and not in a good way, says one well-known tax expert.

According to BMT Tax Depreciation, the ATO allows owners of income-producing property to claim depreciation deductions for the wear and tear to a building’s structure and the plant and equipment assets within, but the proposed changes relate to the eligibility to claim this deduction.

“Currently, investors are eligible to claim qualifying plant and equipment depreciation on assets found in an investment property they purchase, even if they were installed by a previous owner,” CEO Bradley Beer said.

“Under the new rules which are yet to be legislated by Parliament, investors will be able to depreciate new plant and equipment assets and items they add to their property. However, subsequent owners will not be able to claim depreciation on existing plant and equipment assets.” 

Mr Beer said this change will have a “major” impact on investors.

“Essentially reducing the annual deductions they can claim, therefore reducing their cash return each year.

“This could lead to investors being in a tighter financial position and may discourage future investors from purchasing a second-hand residential property.”

Mr Beer said it is his understanding that if the property is new, investors will continue to depreciate plant and equipment as before, but he is “seeking further clarification on this.”

“Investors will still be able to claim capital works deductions, also known as building write off, including any additional capital works carried out by a previous owner.”

Mr Beer said the budget notes are clear that existing investments will be “grandfathered”.

“This means that anyone who has purchased a property up until the 9th of May 2017 will be able to claim depreciation as per normal,” he said.

“If a property investor exchanges contracts to purchase a second-hand property after 7.30pm on the 9th May, there could be different depreciation rules applicable to their scenario.

“We are currently speaking with government to further understand the intricacies relating to the budget notes and the proposed changes to depreciation of plant and equipment assets.”

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With the softening market impacting property values in many parts of Australia, Sally Dale, 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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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.

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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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Sans Souci
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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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