Negative Gearing Grandfathering Status Checker
Answer 3 questions and we'll tell you exactly which negative-gearing rules apply to your investment property, pre-reform (grandfathered), new-build carve-out (preserved), or established (ring-fenced from 1 July 2027). Pure logic, no PII collected, no signup. Built from the 12 May 2026 federal budget reforms.
The grandfathering cutoff is 12 May 2026 at 19:30 AEST (post-budget announcement time). Contracts exchanged on or before that moment retain pre-reform treatment.
Disclaimer: This tool provides general educational information based on the 12 May 2026 federal budget announcement and current ATO interpretation. It is not personal tax advice. Your individual circumstances, including offset accounts, refinancing history, depreciation schedules, and partner/spouse income, affect the precise tax outcome. Always confirm your position with a registered tax agent before contract exchange.