EOFY Tips for Property Investors: What to Review Before 30 June
With 30 June approaching, many property investors are starting to prepare for the end of the financial year.
It’s a good opportunity to review your investment property, organise your records and reassess your finance structure before the new financial year begins.
This year, there’s even more reason for investors to stay informed.
The Federal Budget recently introduced proposed changes to negative gearing and capital gains tax rules that may affect future investment strategies from 1 July 2027. Existing properties are expected to be grandfathered, however investors considering their next purchase may benefit from understanding how these changes could influence future decisions.
With that in mind, here are some practical EOFY areas property investors may wish to review.
Review Your Rental Income
When was the last time you reviewed your rental return?
With interest rates and rental markets shifting throughout 2026, many investors are reassessing whether their rental income still aligns with current market conditions.
A useful starting point can be comparing your property against:
Similar local rental listings
Recently leased properties nearby
Current vacancy rates
Local rental demand
Understanding how your property performs relative to the market may help you make more informed decisions moving forward.
If you’re considering adjusting rent, it’s important to understand the relevant tenancy rules and notice requirements in your state.
Review Your Property Expenses
EOFY can also be a useful time to assess your investment property expenses and overall cash flow.
Some common areas investors review include:
Property management fees
Insurance premiums
Advertising and leasing costs
Repairs and maintenance
Accounting fees
Loan interest and finance structure
With interest rates rising throughout 2026, many investors are also reviewing whether their current investment loan remains competitive.
Even small differences in interest rates can impact cash flow over time.
Review Your Investment Loan Structure
Many investors focus heavily on the property itself, but your loan structure can also play a major role in long-term outcomes.
As interest rates and lending conditions change, it may be worth reviewing:
Interest rates
Loan features
Fixed vs variable structures
Equity access
Cash flow flexibility
Some investors may also consider whether refinancing could improve their overall position or provide access to features better suited to their strategy.
Understand What Expenses May Apply to Your Circumstances
The Australian Taxation Office (ATO) outlines a range of investment property expenses that may have different tax treatment depending on the nature of the expense and your circumstances.
Generally, expenses fall into three categories:
Immediate deductions
These may include:
Loan interest
Council rates
Repairs and maintenance
Some depreciating assets
Deductions claimed over time
These may include:
Capital works
Borrowing expenses
Depreciating assets
Non-deductible expenses
Certain personal or capital expenses may not be deductible.
Because tax treatment can vary depending on your circumstances, it’s important to seek advice from your accountant or tax adviser before making decisions.
Consider a Depreciation Schedule
If you haven’t already organised one, it may be worth considering a depreciation schedule for your investment property.
Prepared by a qualified quantity surveyor, a depreciation schedule outlines the value of eligible assets within the property and how they may decline over time.
This may include:
Appliances
Flooring
Fixtures and fittings
Building components
Many investors use depreciation schedules as part of their annual tax preparation process.
Get Your Records Organised
Strong record keeping can help simplify EOFY preparation and support accurate reporting.
Investment property records generally need to be retained for at least five years.
Some investors use digital tools such as:
Xero
the ATO myDeductions app
cloud storage systems
to help keep records organised throughout the year.
Why More Investors Are Reviewing Their Finance in 2026
With the cash rate now sitting at 4.35% following multiple rate rises in 2026, many investors are reviewing:
loan structure
interest rates
equity position
cash flow strategy
Refinancing may help some borrowers reduce interest costs or improve flexibility, depending on their circumstances and lender options available.
The EOFY can also be a useful time to review longer-term investment goals and consider whether existing equity may support future opportunities.
Thinking About Your Investment Strategy?
Whether you already own investment property or are planning your next purchase, understanding your finance structure is becoming increasingly important in the current market environment.
Reviewing your loan regularly may help you:
improve cash flow
access better loan features
assess equity opportunities
align your finance with your long-term goals
If you’d like to review your investment loan or explore your finance options, feel free to get in touch.