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💰 Negative gearing is one of the most talked-about strategies in Australian property investing but many investors misunderstand how it actually works.

In this episode of The Mortgage Chat, Tony breaks down what negative gearing really means, how the tax benefits work, and why investors use it as part of a long-term property strategy.

 We cover:

📊 What negative gearing actually is

 🏘 How property expenses can exceed rental income

 💰 How tax deductions work in real life

 📈 Why investors use negative gearing for long-term growth

 ⚠️ Common mistakes people make when relying only on tax benefits

Negative gearing isn’t just about getting a tax refund — it’s about building long-term wealth through property while managing your tax position strategically.

If you're considering buying an investment property in Australia, this episode will help you understand whether negative gearing fits your strategy.

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Tony Xia | The Mortgage Agency
 📞 0423 718 612
 📩 [email protected]

00:00 – The Simple Negative Gearing Example

00:12 – Intro: The Mortgage Chat

00:40 – Why Investors Talk About Reducing Tax

01:05 – What Negative Gearing Actually Means

01:45 – Example: Property Expenses vs Rental Income

02:40 – Understanding the Tax Deduction

03:30 – Example Using a $10,000 Loss

04:10 – How Tax Refunds Are Calculated

05:20 – Why Investors Use Negative Gearing

06:20 – The Long-Term Property Strategy

07:15 – Risks and Misunderstandings

08:20 – Final Thoughts for Property Investors