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The Negative Gearing Loophole Nobody's Talking About | Dorian Traill
Right now, there are two types of property investors in Australia. Those who bought before 7:30pm on the 12th of May 2026, and those who bought after it.   And depending on which camp you're in, the entire economics of your next move just changed.   If you already own an established investment property, you're sitting on something the government has effectively locked in for you, full negative gearing, the old rules, preserved.   But here's what almost nobody's talking about. What you do with that property from here can either protect that advantage or accidentally throw it away.   Can you renovate it without losing your grandfathered status? Can you add a second dwelling on the same block? And when you go looking for finance to do any of it, does your bank even understand what you're trying to achieve?   In this episode I speak with Dorian Traill and by the end of this episode, you'll know exactly how to use the property you already own to build more wealth, without stepping on the very tax treatment that makes it valuable in the first place.   We examine how the new rules create different tax outcomes for existing and future property owners.   The conversation explores when renovating a grandfathered property may improve its value, depreciation benefits and investment appeal.   We also look at loan structures, deductible borrowing, construction finance and the risks of mixing personal and investment debt.   Finally, we consider subdivision, development funding and why a clear exit strategy should guide every project from the beginning.   Takeaways   • Grandfathered properties retain important negative gearing advantages • Tax benefits cannot rescue an underperforming property • Renovations may improve depreciation and future value • Loan structures can protect borrowing deductibility • Mixed-purpose debt can compromise tax deductions • Repairs and improvements receive different tax treatment • Demolition may affect grandfathered property treatment • Construction finance requires careful project planning • Larger developments may require commercial lending • Exit strategies should guide development decisions   Chapters   02:05 - What grandfathered negative gearing actually means 06:21 - Can you renovate without losing it 13:25 - How to fund a renovation the right way 18:27 - Splitting the block and adding a second dwelling 21:13 - When lending tips over into commercial   Links and Resources:   Join us at one of our upcoming seminars in Melbourne, Sydney, and Brisbane. •        Click here for more details and to lock in your spot. https://metropole.com.au/how-to-grow-seminar/ •        Join us in this small group environment so you can get your personal questions answered.   Answer this week’s trivia question here - https://www.propertytrivia.com.au/ •        Win a hard copy of Negotiate Influence Persuade. •        Everyone wins a copy of a fully updated property report   Michael Yardney – Subscribe to my Property Update newsletter here     Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.   Dorian Traill, Senior Wealth Planner at Metropole https://metropole.com.au/expert/dorian-traill/   Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au   Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/   About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia   The Michael Yardney Podcast is one of Australia’s leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.   Each week we explore:   • Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer’s agent insights and investment planning   If you’re serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.   Learn more at:https://propertyupdate.com.auhttps://metropole.com.au
Property Investment & Wealth Creation Australia | The Michael Yardney Podcast
https://michaelyardneypodcast.com.au
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