Negative gearing on new purchases of established residential property is gone from 1 July 2027. Capital gains tax concessions are tightening. For Australians investing in property through their personal name, the tax equation has shifted materially.

But there is one structure the government explicitly protected from both changes: superannuation.

If you own property inside your SMSF, or you’ve been considering it, the post-budget environment just got a lot more interesting.

Inside an SMSF:

• Rental income taxed at just 15% (0% in pension phase)
• Interest on borrowings remains fully deductible
• CGT capped at 10% on assets held over 12 months (0% in pension phase)
• No exposure to the new negative gearing or CGT restrictions applying to personal investors

At WLTH, we offer SMSF lending solutions built for investors who want to make their super work harder. If you want to understand what this budget means for your property strategy, start the conversation with us.

This post is general information only and does not constitute financial advice. Please speak with a qualified financial adviser before making any investment decisions.