Negative Gearing and Capital Gains Tax Changes Explained - Robert Tawil | Home Building Podcast

The government has changed the rules on negative gearing and capital gains tax, and a lot of Perth homeowners and investors are unsure what it means for them. Financial adviser Robert Tawil of Vantage Wealth returns to re-record our earlier chat and breaks the changes down in plain English. We cover selling, subdividing and building, and when it's worth getting an expert in your corner. Disclaimer: The information discussed in this episode is general in nature and does not take into account your personal circumstances, site conditions, budget, or local council requirements. Building, design, investment, and rental outcomes vary significantly depending on individual factors. We recommend seeking personalised professional advice before making decisions related to property, construction, or finance. What you'll learn: Why the market matters less than your personal situation if you're staying in your home long term How capital gains tax works when you sell your main residence versus an investment property What changes on 1 July 2027 and how gains are split between the old and new methods How negative gearing now works on existing properties, and why new builds keep the concession Why reduced borrowing power is cooling the market, not just investor sentiment What happens to your tax when you subdivide your own block, or build on it Why you shouldn't demolish your home before your approvals are locked in The difference between a financial adviser and an accountant, and when to speak to each Chapters: 00:24 - Why we re-recorded after the new laws 02:09 - Market uncertainty and days on market 04:01 - Does the market matter if you're staying put? 10:25 - Why get advice before big decisions 15:44 - Selling a home you've lived in for 20 years 16:35 - Capital gains tax changes on investment property 19:41 - Negative gearing: how the rules changed 28:01 - New builds versus existing homes 28:42 - Granny flats and subdividing 30:36 - Why you shouldn't demolish too early 33:24 - Subdividing your own block and capital gains tax 34:46 - Financial adviser versus accountant 38:14 - When to start talking to an adviser 43:38 - The $10,000 question FREE Homeowner Decision Checklist 👇🏽🏡 Not sure where to start? Download our free checklist to help you plan your build, renovation or extension before you speak to anyone. info.independentbuildingadvice.com.au/decision-checklist-page?utm-homebuildingpodcast About Our Guest: Robert Tawil is a licensed financial adviser at Vantage Wealth in Perth. He helps clients plan for retirement and manage investments, insurance and structures, working alongside their accountants. He is also currently building with IBA. Found the episode useful? Please follow & leave a comment. It really goes a long way to getting it to more people like you. Need design & building advice? Find out more on our IBA website www.independentbuildingadvice.com.au Want more home building episodes? Visit our YouTube or website https://independentbuildingadvice.com... Follow us on socials: Instagram | Facebook | YouTube