Free investor guide
New Build, Established, or Shares?
What the 2026 Budget actually changed for property investors — and the questions worth asking before your next move.
Free investor guide
New Build, Established, or Shares?
Most of the coverage since the May 2026 Budget has blurred two completely separate changes: negative gearing and capital gains tax. They commence on different dates, they grandfather differently, and they affect different people.
This free guide sets out what changed, how your three main options now compare, and where the traps sit. It won’t tell you what to do — that’s a conversation for you, your accountant, and your broker — but it will make sure you’re asking the right questions.
What's inside
The two changes almost everyone is confusing — negative gearing and CGT commence differently and affect different people
A side-by-side comparison of established property, new builds, and shares under the current rules
The new-build definition trap that catches out “near new”
purchases
The questions worth asking your accountant, your broker, and yourself before you commit
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Where Track Financial fits
We are mortgage brokers. Our part of this is the finance: what you can borrow, how the loan should be structured, whether equity can be released, and how construction lending works if a new build is on the table. We work alongside your accountant, who owns the tax advice, and a licensed financial adviser where investment advice is needed.
If you’d like to understand where your finance position sits — no obligation, no pressure — a fifteen-minute conversation is usually enough to give you a clear picture.
This guide is general information only. It has been prepared without regard to your objectives, financial situation or needs, and it is not tax advice, financial product advice, or a recommendation to acquire or dispose of any investment. Track Financial is a credit provider intermediary and is not licensed to provide tax or financial product advice. Borrowing to invest magnifies both gains and losses and is not suitable for everyone. You should obtain advice from a registered tax agent and a licensed financial adviser before acting on anything in this guide.
Track Financial is an independent company passionate about providing simple, elegant financial solutions. We’re all about offering personalised financial services that actually work for your lifestyle.
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