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Tax Planning & Compliance ATO Dispute Resolution Corporate & Business Law Property & Investment Tax International TaxThe 2026 Federal Budget may affect your next move. Proposed changes to negative gearing, capital gains tax and discretionary trusts could impact property investors, family trusts, business owners and Australians planning to buy, sell, refinance or restructure.
This is an initial triage page for people who may need tax, legal, finance, conveyancing, debt or restructuring assistance.
Select the category closest to your situation. This page will guide you to the correct starting point.
The proposed reforms affect three major parts of Australian wealth planning: property investment losses, capital gains and discretionary trusts.
From 1 July 2027, negative gearing for residential property is proposed to be limited mainly to new builds. Existing arrangements are expected to remain unchanged for properties held before Budget night.
The proposed reform replaces the 50% CGT discount with cost-base indexation and introduces a 30% minimum tax on net capital gains from 1 July 2027.
From 1 July 2028, discretionary trusts are proposed to face a 30% minimum tax, with exceptions and transitional restructuring relief.
This page is designed to identify whether your matter should be reviewed further before you buy, sell, refinance or restructure.
If you own or plan to buy investment property, the issue is not just the headline change. It is how the rules affect cash flow, tax position, timing and asset choice.
If a trust receives income, owns property, holds investments or forms part of a family business or estate plan, it may require review before the proposed rules commence.
If investors pause or become more selective, some first-home buyers may gain negotiating leverage. But leverage is only useful if finance, contract review and property selection are handled correctly.
Business owners often have trusts, companies, property, ATO arrangements, finance facilities and personal guarantees. One change can affect several parts of the structure.
If there is ATO debt, credit damage, mortgage stress or refinancing pressure, the right pathway may involve legal, tax, credit, debt and finance steps in the correct order.
These examples are not advice. They show why different people may need different pathways.
A buyer who was relying on rental losses reducing wage income may need to remodel the purchase if future losses are quarantined instead of used the way they expected.
A business owner using a discretionary trust may need to review whether future trust income distributions remain effective under the proposed minimum tax rules.
A person planning to sell an asset may need to check cost base records, timing, ownership structure and the potential CGT treatment before completing the sale.
If some investors step back from established properties, first-home buyers may gain leverage. That only helps if finance, contract review and negotiation are ready.
A business owner dealing with ATO debt may need to review tax, credit, finance and asset decisions before refinancing, selling property or restructuring.
Credit issues can limit finance options. The first step may be credit report review, default strategy, debt consolidation or a legal/tax pathway before applying again.
The goal is to identify the correct pathway before time, money or tax position is put at risk.
Tell us whether you are an investor, trust user, buyer, business owner or dealing with pressure.
Your enquiry is reviewed to identify whether it appears to involve tax, legal, finance, credit, debt or conveyancing issues.
The matter is routed to the appropriate next step, which may involve TLS or a suitable professional referral.
Where needed, formal advice can be arranged with the appropriate qualified adviser before you act.
Complete the short form and Tax Legal Solutions will identify whether your situation may require further tax, legal, finance, conveyancing, credit, debt or restructuring review.
This form is intentionally short. Detailed assessment happens after triage.
TLS assists Australians with tax debt, ATO disputes, business restructuring, debt consolidation, credit repair and tax-related legal issues.
Start Impact CheckSimple answers before you complete the impact check.
No. The proposed reform limits negative gearing for residential property mainly to new builds from 1 July 2027. Existing arrangements are expected to remain unchanged for properties held before Budget night.
Not without modelling. A rushed purchase can create worse problems than the tax change itself, especially if the property is overpriced, poorly financed, poorly located or unsuitable.
Possibly. If a discretionary trust holds property, receives business income, distributes income to family members or forms part of your estate or succession planning, it may need review before the proposed minimum tax rules commence.
Potentially. If investor demand changes, some first-home buyers may gain negotiating leverage. But that does not remove the need for finance approval, conveyancing review and proper property due diligence.
No. This page and form are for initial triage only. Formal legal, tax, financial or credit advice requires a consultation with an appropriately qualified adviser.
The proposed Budget changes may affect property investors, family trusts, business owners and Australians dealing with ATO debt, credit issues or mortgage stress.
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