Jackson Larkin
Apr 23, 2025
The team at TIA were great to deal with, very professional and diligent, while being easy to talk to throughout the whole process.
POST-BUDGET STRATEGY
Negative Gearing Ends, Your Portfolio Strategy Needs to Move Now.
The federal budget removed negative gearing on established residential property purchased after 12 May 2026. TIA's Crystal AI identifies growth markets where rental yield covers holding costs from settlement, so your portfolio compounds without relying on a tax offset that no longer exists.
15,000+
suburbs scanned monthly
178
indicators including rental yield
$450k–$900k
established houses, positively geared
74%
repeat purchase rate
Book A Strategy Call
No obligation. Confidential strategy session.
Reviews
Preferred by 1,100+ Property Investors
5.0on Google
Daniel Cassano
Apr 22, 2025
These guys provided a professional, thorough, smooth process for the purchase of my first investment property.
Senal Gamage
Apr 21, 2025
Just wanted to say a big thank you to the team at The Investors Agency for helping me secure my first investment property!
Phillip Mastroianni
Apr 13, 2025
After using a buyers agent through another company for my 1st investment property, the difference with TIA was night and day.
Chloe
Mar 24, 2025
We recently purchased our first investment property, and TIA made the entire process seamless from start to finish.
Lenjen Royce
Mar 11, 2025
Great experience working with TIA! The team was incredibly responsive, knowledgeable and supportive of our goals.
Avanish Panikkar
Feb 25, 2025
Have used TIA twice — almost thrice — and find them very experienced, open to communication and prompt.
Owen Crawley
Feb 3, 2025
Genuinely thrilled with the support from the team at The Investors Agency. I've just settled on my property.
Brett Victor
Jan 16, 2025
Loved the services provided by TIA. They assisted us with purchasing our second investment property.
Justin Martins
Jan 3, 2025
The best in the industry! Very well looked after and very pleased with the services provided.
Nabeel Qureshi
Dec 20, 2024
A great example of getting what you pay for. TIA provided a wonderful service throughout my purchasing journey.
Jack Hawkins
Nov 23, 2024
Working with The Investors Agency was the best decision we made for our investment property.
Jackson Larkin
Apr 23, 2025
The team at TIA were great to deal with, very professional and diligent, while being easy to talk to throughout the whole process.
Daniel Cassano
Apr 22, 2025
These guys provided a professional, thorough, smooth process for the purchase of my first investment property.
Senal Gamage
Apr 21, 2025
Just wanted to say a big thank you to the team at The Investors Agency for helping me secure my first investment property!
Phillip Mastroianni
Apr 13, 2025
After using a buyers agent through another company for my 1st investment property, the difference with TIA was night and day.
Chloe
Mar 24, 2025
We recently purchased our first investment property, and TIA made the entire process seamless from start to finish.
Lenjen Royce
Mar 11, 2025
Great experience working with TIA! The team was incredibly responsive, knowledgeable and supportive of our goals.
Avanish Panikkar
Feb 25, 2025
Have used TIA twice — almost thrice — and find them very experienced, open to communication and prompt.
Owen Crawley
Feb 3, 2025
Genuinely thrilled with the support from the team at The Investors Agency. I've just settled on my property.
Brett Victor
Jan 16, 2025
Loved the services provided by TIA. They assisted us with purchasing our second investment property.
Justin Martins
Jan 3, 2025
The best in the industry! Very well looked after and very pleased with the services provided.
Nabeel Qureshi
Dec 20, 2024
A great example of getting what you pay for. TIA provided a wonderful service throughout my purchasing journey.
Jack Hawkins
Nov 23, 2024
Working with The Investors Agency was the best decision we made for our investment property.
What the Budget Means for Property Investors
From 1 July 2027, investors who buy established residential property can no longer offset rental losses against salary or other personal income. Losses can only be offset against residential rental income or carried forward against future capital gains from rental properties. The change applies to any established property purchased after 7:30pm on 12 May 2026.
Properties held before that date are grandfathered and can continue to be negatively geared under the current rules. New builds remain exempt and still qualify for both negative gearing and the 50% CGT discount. But for investors buying established property going forward, the holding cost equation has changed permanently.
The investors who will feel this most are those buying in low-yield markets where the rental return does not cover the mortgage, rates, insurance and maintenance. Without the ability to offset those losses against salary income, the annual out-of-pocket cost of holding an underperforming property increases significantly, and the compounding effect of that cost over a 30-year portfolio is substantial.
CRYSTAL AI
178 indicators across 15,000+ suburbs, updated monthly.
Crystal AI is our proprietary data engine. It filters every suburb in Australia through a strict 178-point institutional-grade framework to identify growth signals 12 to 18 months before they become public knowledge.
- Lender-approved suburb lists
- Vacancy rate volatility tracking
- Building approval pipeline analysis & more
Crystal Signal TrackerLIVE DATA FEED
SUBURBGROWTHYIELDLENDER
Kedron, QLDHIGH5.1%APPROVED
Zillmere, QLDHIGH5.4%APPROVED
Geelong, VICSTABLE4.2%REVIEW
Inala, QLDEMERGING5.8%APPROVED
How TIA Builds Positively Geared Portfolios
YIELD FIRST
Rental Yield That Covers Holding Costs
Crystal scans rental yield data across 15,000+ suburbs every month. In a post-budget environment, your RoadMap prioritises markets where gross yields are high enough to cover mortgage repayments, council rates, insurance and management fees from settlement. The goal is a portfolio that does not depend on a tax deduction to stay cashflow-positive.
GROWTH TOO
Yield and Growth in the Same Market
Positive gearing does not mean giving up capital growth. Crystal tracks 178 indicators to find markets where high rental demand coincides with early-stage price growth driven by migration, infrastructure and supply constraints. These are the markets where your property pays for itself while the equity compounds underneath.
SEQUENCED
Each Property Funds the Next
Your RoadMap sequences purchases so rental income from property one supports the serviceability for property two. In a world without negative gearing offsets, this sequencing matters more than ever because each property must carry its own weight rather than relying on your salary to fill the gap.
Negative Gearing Strategy vs Positive Gearing Strategy
OLD APPROACH (PRE-BUDGET)
- Buy in a high-growth, low-yield market. Accept the holding cost shortfall.
- Offset the annual loss against salary income via negative gearing.
- Hope capital growth eventually compensates for years of cashflow losses.
- Portfolio stalls when salary income cannot support another negatively geared purchase.
- CGT discount of 50% on sale (still applies to grandfathered holdings).
- Strategy breaks if tax rules change again.
TIA POST-BUDGET APPROACH
- Buy in markets where yield covers holding costs and growth indicators are converging. Accept nothing on faith.
- No offset needed. Rental yield covers the mortgage and expenses from settlement.
- Crystal identifies growth 12 to 18 months early so you capture equity without subsidising the holding cost.
- Each property is cashflow-neutral or positive, so serviceability compounds instead of shrinking.
- CGT discount reduced to 25% on established post-budget purchases. The RoadMap accounts for this by targeting higher equity growth in the accumulation phase.
- Strategy works regardless of tax settings because the underlying cashflow is positive.
Your Timeline to a Positively Geared Portfolio
01
YEAR 1
Crystal identifies a positively geared market. You acquire an established house between $450k and $900k where rental yield covers holding costs from day one.
02
YEAR 2-7
Rental income supports serviceability for the next purchase. Crystal flags the next market as growth indicators converge. Each property carries its own weight.
03
YEAR 15
Portfolio consolidation. Multiple positively geared properties are generating surplus cashflow. Crystal's monthly updates inform hold, sell or reinvest decisions.
04
YEAR 30
Retire debt using accumulated rental surplus and equity. Your portfolio was never dependent on a tax offset, so changes in government policy do not change your outcome.
How Crystal Finds Positively Geared Growth Markets
1
Rental Yield Scan
Crystal processes rental vacancy, median rent, rent growth velocity and yield-to-price ratios across 15,000+ suburbs every month. Markets where yields are compressing or vacancies are tightening get flagged for deeper analysis.
2
Growth Signal Overlay
High yield alone is not enough. Crystal layers 178 growth indicators on top of the yield data, including migration surges, lending approvals, infrastructure announcements and supply pipeline gaps. Markets that show both strong yield and early-stage growth signals move to the shortlist.
3
Holding Cost Modelling
Your RoadMap models the full holding cost at current interest rates, including mortgage repayments, council rates, insurance, property management and maintenance. The target is cashflow-neutral or positive from settlement at today's rates, with a buffer for rate movement.
4
Portfolio Sequencing
Each purchase is positioned so its rental income supports the serviceability calculation for the next. In a post-budget environment where you cannot offset losses against salary, this sequencing is the difference between a portfolio that stalls at two properties and one that reaches six or more.
74% of Clients Come Back to Buy Again
The repeat purchase rate exists because the RoadMap keeps working after settlement. In a post-budget world, that matters more than ever because each property needs to perform on its own merits rather than relying on a tax offset to justify the hold. Clients track equity, yield and next steps in one app, with monthly updates from their strategist.
Results
Results speak for themselves.
Here are just a few examples of recent client purchases and their current valuations.
SA
32% increase over 13 months
Purchase price
$590k
Valuation
$780k
QLD
24% increase over 9 months
Purchase price
$500k
Valuation
$620k
WA
81% increase over 31 months
Purchase price
$370k
Valuation
$670k
VIC
18% increase over 12 months
Purchase price
$540k
Valuation
$638k
QLD
40% increase over 17 months
Purchase price
$370k
Valuation
$518k
WA
33% increase over 15 months
Purchase price
$550k
Valuation
$731k
SA
32% increase over 13 months
Purchase price
$590k
Valuation
$780k
QLD
24% increase over 9 months
Purchase price
$500k
Valuation
$620k
WA
81% increase over 31 months
Purchase price
$370k
Valuation
$670k
VIC
18% increase over 12 months
Purchase price
$540k
Valuation
$638k
QLD
40% increase over 17 months
Purchase price
$370k
Valuation
$518k
WA
33% increase over 15 months
Purchase price
$550k
Valuation
$731k
Award-winning & industry recognised
See How Your Portfolio Looks After the Budget
Your free RoadMap Lite models the first three moves for your income, equity and goals under the new rules.
Book Your Strategy CallCommon Questions About Positive Gearing After the Budget
Can I still negatively gear properties I already own?
Yes. Properties held before 7:30pm on 12 May 2026 are grandfathered. You can continue to negatively gear them under the current rules for as long as you hold them. The changes only apply to established properties purchased after that date.
Does TIA only buy positively geared properties now?
TIA has always prioritised markets where yield and growth align. The budget changes make this even more important because you can no longer offset holding losses against salary income on new established purchases. Your RoadMap models full holding costs at current rates and targets cashflow-neutral or positive from settlement.
What about new builds? They still qualify for negative gearing.
Correct. New builds remain exempt and still qualify for negative gearing and the 50% CGT discount. TIA buys established houses only because we target the land value, not the building. New builds carry developer margin, depreciation risk and location trade-offs that typically underperform established property in Crystal's data over a 10-year window. Your accountant can advise on whether the tax treatment of new builds changes that equation for your specific situation.
How does the CGT discount change affect my strategy?
For established properties purchased after 12 May 2026, the CGT discount drops from 50% to 25%. Your RoadMap accounts for this by targeting higher equity growth in the accumulation phase so the net return after tax still compounds. Speak with your accountant about how this interacts with your personal tax position.
What if interest rates drop and my property becomes positively geared anyway?
That is exactly the scenario your RoadMap is built for. Properties selected for yield resilience at today's rates become even more cashflow-positive if rates fall, giving you surplus income to accelerate the next purchase in the sequence.
I already own negatively geared properties. Should I sell them?
Not necessarily. Your existing properties are grandfathered and can continue under the current rules. Your strategy call reviews your entire portfolio with Crystal's data and models whether holding, selling or redirecting gives you the strongest 30-year outcome. TIA does not give tax advice, and we recommend involving your accountant in any decision to sell.