As 30 June approaches, many investors start turning their attention to EOFY tips for property investors and what they should be reviewing before the financial year wraps up. It’s a natural time to take stock of your portfolio, get your records in order, and ensure your finance structure still aligns with your broader goals.
This year, there is an added layer to consider.
Following the recent Federal Budget, changes to negative gearing and capital gains tax are set to apply from 1 July 2027. While existing properties are grandfathered, these updates may influence future investment decisions, making it a timely point to step back and review your current strategy.
With that in mind, here are some practical areas worth considering before EOFY.
Review your rental income
When was the last time you reviewed your rental return?
If it hasn’t been updated recently, it may be worth comparing it to similar properties in your area, particularly in the context of recent interest rate movements and shifting market conditions.
Understanding where your property sits in the current market can help inform your broader investment position. This may involve reviewing comparable listings or speaking with a local agent.
Review your property expenses
EOFY is also a natural time to take stock of your property-related expenses and how they’ve changed over the past 12 months.
Common areas to review include:
- Property management fees
- Repairs and maintenance
- Insurance premiums
- Advertising or leasing costs
- Accounting fees
- Loan structure and interest rate
Understanding how these costs are evolving can help provide a clearer picture of your overall investment performance.
Understand potential deductions
The ATO outlines a range of expenses that may be treated differently for tax purposes, generally falling into three categories:
- Expenses that may be claimed in the current financial year
- Expenses that may be claimed over time
- Expenses that may not be claimable
It’s important to ensure any claims are accurate and supported by appropriate records. As tax treatment can vary depending on your circumstances, it’s worth discussing this with your accountant or tax adviser.
Consider a depreciation schedule
If you don’t already have one, a depreciation schedule prepared by a qualified quantity surveyor may be worth exploring.
This report outlines the value of your property’s assets and how they may decline over time, which can assist your accountant in assessing depreciation-related considerations.
Get your records in order
Maintaining clear and accurate records is an important part of managing an investment property.
In general, records should be kept for at least five years. Digital tools such as the ATO’s myDeductions app or accounting software can help streamline this process.
Review your finance structure
With the cash rate now sitting at 4.35% following multiple increases in 2026, reviewing your loan structure is an important part of your EOFY planning.
Depending on your circumstances, this may include:
- Assessing whether your current rate remains competitive
- Reviewing your loan structure and features
- Considering how your finance aligns with your longer-term investment strategy
In some cases, investors may also look at how existing equity could support future opportunities, subject to lender assessment.
Taking a broader view
EOFY isn’t just about compliance. It’s an opportunity to step back and assess how your investment and finance structure is performing in a changing environment.
With upcoming policy changes and evolving market conditions, having clarity around your position can help support more informed decisions moving forward.
Speak to Ironbark Group
If you’re reviewing your investment property or considering your next move, the right finance structure can play an important role.
At Ironbark Group, we work with property investors to review existing lending, compare options across a wide panel of lenders, and structure finance solutions aligned with individual goals.
Whether you’re looking for a second opinion or planning ahead, our team is here to support you.
Get in touch with Ironbark Group to explore your options