13/05/2026
They did this in 1985.
Negative gearing was scrapped. Rents jumped 30% across major cities. The economy turned. First home buyers couldn't save because their rent went through the roof.
By 1987 — just two years later — the government quietly reversed it.
Last night they did it again.
And I'm going to tell you exactly what happens next.
What changed in the 2026 Budget:
Negative gearing is now limited to new builds only. If you buy an established property after Budget night, you can no longer offset losses against your salary. That $3,000–$4,000 annual tax refund that helped investors fund their mortgage shortfall? Gone.
Capital gains tax discount is being replaced with a minimum 30% tax from July 2027. The 50% discount that rewarded long-term investors — scrapped.
Discretionary trusts hit with a minimum 30% tax from 2028. Income splitting through family trusts — being shut down.
Here's what they won't tell you.
This budget isn't about housing affordability.
If it was, they'd be cutting planning red tape, fast-tracking approvals, and incentivising construction at scale.
This is about votes. It's about looking like they're helping first home buyers while actually making things worse for the people they claim to be helping.
When investors stop buying established properties — and they will — rental supply drops. When rental supply drops, rents go up. We saw 30% increases in 1985. I'm predicting 10 to 15% this time.
And the first home buyer who was supposed to benefit? They can't save a deposit when their rent just went up $200 to $300 a month
The poor get poorer. The cycle continues.
But here's where it gets interesting.
While everyday investors are scrambling, our clients aren't blinking.
Why? Because structure is everything.
The government writes the rules. They also write the exceptions. And the right structure lives in those exceptions.
100% of our clients are completely protected from these changes. Company structure is the move — flat 25–30% tax rate, none of the negative gearing drama, none of the trust headaches.
The wealthy have known this for decades. The gap between those who know and those who don't just got significantly wider last night.
The difference between the right structure and the wrong one just became very expensive.
If you're an investor — or planning to be one — this is your wake-up call.
History is repeating. Most people won't see it coming.
DM me the word STRUCTURE and I'll show you exactly how we protect our clients.
Or book a call directly — https://www.spig.com.au/appointment
Share this with someone who needs to see it before it's too late. 👇
