Client Profile
PAYG professional with strong income and limited prior investment experience.
Challenge
The client was paying a high amount of personal income tax each year and wanted to build long-term wealth but was unsure how to enter the property market in a tax-effective way.
Strategy
Reviewed the client’s income, borrowing capacity, and long-term goals
Advised on appropriate property ownership structure
Explained the tax impact of negative gearing, including interest, depreciation, and allowable deductions
Coordinated with lenders and property advisors to ensure affordability and sustainability
Outcome
The client successfully invested in a residential property, reduced their taxable income through negative gearing, and positioned themselves for long-term capital growth.
Key Takeaway
With the right advice, property investment can support both wealth creation and tax efficiency.