Which negative gearing rules apply to your property?
Australia's negative gearing reform sorts every established-dwelling investor into one of two camps. Answer two questions and find out which one you're in — free, instant, no account needed.
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Grandfathered, quarantined, or exempt
Grandfathered
Contract signed before 12 May 2026, 7:30pm AEST. The previous rules continue indefinitely — rental losses can still offset your salary and other income.
Quarantined
Established dwelling, contract signed on or after the cutoff. From 1 July 2027, losses can only offset rental income or capital gains from residential property — not salary. Unused losses carry forward.
Exempt (new build)
New builds are exempt from the quarantine rules regardless of purchase date — losses can still offset salary and other income.
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