{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":300,"width":600,"title":"The Negative Gearing Loophole Nobody's Talking About | Dorian Traill","description":" 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   \u2022 Grandfathered properties retain important negative gearing advantages \u2022 Tax benefits cannot rescue an underperforming property \u2022 Renovations may improve depreciation and future value \u2022 Loan structures can protect borrowing deductibility \u2022 Mixed-purpose debt can compromise tax deductions \u2022 Repairs and improvements receive different tax treatment \u2022 Demolition may affect grandfathered property treatment \u2022 Construction finance requires careful project planning \u2022 Larger developments may require commercial lending \u2022 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. \u2022        Click here for more details and to lock in your spot. https:\/\/metropole.com.au\/how-to-grow-seminar\/ \u2022        Join us in this small group environment so you can get your personal questions answered.   Answer this week\u2019s trivia question here - https:\/\/www.propertytrivia.com.au\/ \u2022        Win a hard copy of Negotiate Influence Persuade. \u2022        Everyone wins a copy of a fully updated property report   Michael Yardney \u2013 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 \u2013 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\u2019s leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.   Each week we explore:   \u2022 Australian property market updates\u2022 Property investment strategies in Australia\u2022 Melbourne property market trends\u2022 Sydney property market forecasts\u2022 Brisbane property investment opportunities\u2022 Capital growth property strategies\u2022 Property cycles in Australia\u2022 Negative gearing and tax strategy\u2022 Interest rates and their impact on property\u2022 Buyer\u2019s agent insights and investment planning   If you\u2019re 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 ","author_name":"Property Investment & Wealth Creation Australia | The Michael Yardney Podcast","author_url":"https:\/\/michaelyardneypodcast.com.au","html":"