Investment Property Tax Tips – Maitland Owners Guide
Own an investment property in Maitland or the Hunter?
Getting your tax right as a property investor can make a big difference to your cash flow, your refund, and your long-term results. But many landlords miss out on key deductions — or make costly errors — simply because they don’t get the right advice.
At Bottrell Accounting, we work closely with Maitland investors to ensure every allowable deduction is claimed and nothing is overlooked.
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What you can claim on your investment property
As a landlord, you may be entitled to claim:
1. Loan Interest
– You can claim the interest portion of your investment loan
– Principal repayments are not deductible
– Ensure the loan is used only for the investment property (split loans can be tricky)
2. Depreciation
– Depreciation on the building (if built after 1985)
– Depreciation on fixtures, fittings, and appliances
– A professional depreciation schedule from a Quantity Surveyor is often worthwhile, we can recommend trusted providers
3. Property Management & Agent Fees
– Monthly management fees
– Advertising for tenants
– Lease preparation costs
4. Repairs & Maintenance
– Immediate deductions for repairs (like fixing a leak or replacing a broken lock)
– Be cautious: improvements or renovations may need to be depreciated over time
5. Council Rates, Water & Strata
– Ongoing running costs are deductible
– Make sure to keep all statements for each financial year
6. Insurance
– Landlord insurance
– Building insurance
– Contents insurance (for furnished properties)
7. Travel Expenses (limited)
Travel to inspect or maintain your property can no longer be claimed unless you are a registered business (e.g. real estate operators). We’ll advise what applies to your situation.
Common tax traps for property investors
– Incorrectly claiming improvements as repairs
– Forgetting to split deductions for co-owned properties
– Claiming interest on redraws used for personal use
– Not adjusting for part-year ownership or vacancies
– Missing depreciation on new appliances
– Claiming loan repayments instead of just the interest
We see these all the time — and help clients fix them before the ATO does.
Owning through a trust or company?
We can help structure your property ownership tax-effectively — especially if you:
– Own multiple properties
– Invest jointly with family or a business partner
– Want asset protection or income splitting
Thinking of selling?
We’ll guide you through:
– Capital Gains Tax (CGT) calculations
– Discounts and exemptions
– Record-keeping requirements
– Timing strategies to manage tax impact
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Speak to a Local
Maitland Tax Accountant
Bottrell Accountants, Tax Agents & Financial Planners – Maitland:
- Office: 93 Lawes St, East Maitland, NSW, 2323
- Phone: 0249336888
- Email: maitland@bottrellaccounting.com.a
- Hours: Monday–Friday 7:30am–5:30pm | Saturday 9am–2pm
Where To Find Us
Why Choose Bottrell for Your Tax Return?
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Book an appointment with our East Maitland team online or call us directly.