The Lat Chat

Negative Gearing Is Changing, Here’s What It Means


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Budget 2026 has triggered one of the biggest property and tax debates Australia has seen in years.


In this episode, the Latitude Accountants team breaks down the proposed negative gearing changes, what they could mean for property investors, borrowing capacity, house prices, first home buyers, and whether these changes will actually improve housing affordability.


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We discuss:

• Why wealthy investors may not actually be affected

• How negative gearing really works

• Why borrowing capacity could fall dramatically

• The impact on Sydney and Melbourne property markets

• Whether this could hurt first home buyers instead

• Why some accountants believe negative gearing encourages speculation

• The future of new builds and property development in Australia


This is not financial advice. The discussion is general in nature and based on proposed policy announcements at the time of recording.


If you enjoy practical Australian business, tax and property content, subscribe to Latitude Accountants for more weekly episodes, podcasts and breakdowns.


⏱️ CHAPTERS


00:00 Budget 2026 and negative gearing explained

00:27 What is actually changing?

00:37 Why wealthy investors may not care

01:30 Why rich investors usually are not negatively geared

02:02 Is negative gearing actually a bad strategy?

02:48 Will these changes really matter?

03:20 The problem with interest only investing

04:09 Does negative gearing manipulate the market?

04:26 Borrowing capacity concerns explained

05:02 Could this affect Australian property prices?

05:26 Why new builds are still expensive

06:13 Michael’s thoughts on the changes

06:50 Will blue chip Sydney property be affected?

07:39 The impact on first home buyers

08:34 Are Australian property prices too high?

08:56 Why the government is targeting CGT and negative gearing

09:59 Immigration and housing demand discussion

10:17 Property prices vs wages since 1999

10:48 Final verdicts from the panel


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Disclaimer: This video is for educational and entertainment purposes only and does not constitute financial, lending, legal, or tax advice. Please seek professional advice before making financial decisions.


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The Lat ChatBy Latitude Accountants