Negative Gearing Advice – Maitland, NSW

Make Negative Gearing Work for You

Own or thinking about buying an investment property?

Want to reduce your taxable income and improve cash flow?

At Bottrell Accountants, Tax Agents & Financial Planners (based in East Maitland), we help property investors understand and benefit from negative gearing strategies — the right way.

Whether you’re a first-time landlord or building a property portfolio, our expert team can guide you through the tax implications and help maximise your position.

What is Negative Gearing?

Negative gearing occurs when the costs of owning a rental property (interest, maintenance, depreciation, etc.) exceed the rental income earned.

This loss can be used to offset other income (e.g. salary or business profits), reducing your overall tax payable.

Common for both residential and commercial properties
Strategic for long-term capital growth investors
Requires proper recordkeeping and tax planning

Why Choose Bottrell for Property Tax Advice?

Local Property Tax Specialists – Based in Maitland
Chartered Accountants, CPAs, & Tax Agents
Decades of experience with investment property owners
Support for individuals, couples, trusts, SMSFs & businesses
Expert advice on depreciation, interest deductions, and compliance
Linked financial planning, loan structuring & CGT planning (if required)

Who We Work With

We Assist a wide range of property investors in Maitland:

• PAYG employees with one or more rentals
• First-time investors using equity or savings
• Business owners investing via a trust or company
• SMSFs using LRBAs or property strategies
• High-income earners seeking legitimate tax minimisation
• Investors preparing for capital gains events or property sales

What We Cover in a Negative Gearing Consultation

• Is negative gearing the right fit for you?
• Should your investment be held personally, jointly, via trust or SMSF?
• Calculating potential tax savings before purchase
• Depreciation schedules & capital works deduction guidance
• Reviewing borrowing & interest deductibility
• Recordkeeping tips for compliance & ATO audit protection
• Future CGT planning and asset protection

Beyond Negative Gearing - Full Property Tax Support

We also help Maitland clients with:

• Positive cash flow investment planning
• Depreciation reports and property-related deductions
• PAYG withholding variations (for better cash flow)
• Pre-purchase structuring advice
• Trust setup and management for property investors
• Capital gains tax (CGT) planning
• SMSF property & gearing strategies
• Tax return preparation for investors & landlords