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.