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| Lender | Home Loan | Interest Rate | Comparison Rate* | Monthly Repayment | Repayment type | Rate Type | Offset | Redraw | Ongoing Fees | Upfront Fees | Max LVR | Lump Sum Repayment | Extra Repayments | Split Loan Option | Tags | Features | Link | Compare | Promoted Product | Disclosure |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
6.24% p.a. | 6.28% p.a. | $3,075 | Principal & Interest | Variable | $0 | $530 | 90% |
| Promoted | Disclosure | ||||||||||
6.04% p.a. | 5.95% p.a. | $3,011 | Principal & Interest | Variable | $0 | $0 | 80% |
| Promoted | Disclosure | ||||||||||
6.14% p.a. | 6.16% p.a. | $3,043 | Principal & Interest | Variable | $0 | $350 | 60% |
How to calculate the tax implications of your negatively geared property
Calculating the impact of negative gearing on the tax owed by a property investor can be complex.
Not only does it involve tallying up the income and expenses involved with the property, it also depends on an investor's other taxable income which determines their marginal tax rate.
Understanding the calculator
To calculate the impact of negative gearing on your taxable income:
- Add up all eligible investment property expenses incurred in a tax year and subtract any rental income earned
- Subtract the resulting figure from your taxable income before assessing how much tax you might be liable to pay based on your marginal tax rate
Or, you could simply plug in the details of your income and your investment property into the calculator and Savings.com.au will do all the work for you.
Our calculator will give you an estimate of the tax benefit you could see you based on your individual circumstances.
Negative gearing changes
The federal government announced changes to Australia's negative gearing rules that will affect some property investors from the 2027/28 tax year.
Anyone purchasing an investment property before 7:30pm on 12 May 2026 (federal budget night) will be permitted to claim negative gearing tax benefits under the current system until the property is sold.
Anyone purchasing an established residential property after that time can only negatively gear the property until 30 June 2027. After that time, investment property losses will not be claimable against other taxable income.
Instead, rental losses can only be deducted against rental income (including from other properties) or capital gains from selling rental properties. Any unused losses can be carried forward to offset positive rental income or capital gains from selling residential investment properties in future years.
The rule change applies to established residential properties only, not new build or off-the-plan residential investments.
Our calculator will be updated to reflect these changes from the appropriate date.
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