Negative Gearing Tax Return in Melbourne
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Claim Negative Gearing & Borrowing Expenses Correctly – 2025 Property Tax Help

Don’t Guess When It Comes to Your Investment Property – Get Every Legal Deduction

If your rental property expenses are higher than your rental income, you’re likely eligible for negative gearing benefits, but claiming them correctly is critical.

At Nanak Accountants, we work with Melbourne property investors to:

What Counts as Borrowing Expenses?

According to the ATO, you can claim over 5 years:

We calculate and spread these correctly over the 5-year amortisation period or adjust if your loan ends earlier.

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Negative Gearing - How It Works in 2025

If your annual rental expenses (loan interest, rates, maintenance, etc.) exceed your rental income, you may offset that loss against your taxable income reducing your total tax payable.

But be careful not all costs are immediately deductible, and not every property qualifies depending on how it’s structured.

What the ATO Is Watching in 2025

ATO audit risk areas include:

We ensure your claim is bulletproof and ATO-aligned.

Local Expertise for Melbourne Property Owners

We serve investors across:

Online or in-person, we make claiming investment property deductions easy and stress-free.

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Frequently Asked Questions

Can I claim negative gearing on my second property?

Yes, if it’s income-generating and expenses exceed income. We’ll help calculate it accurately.

You may still claim partial borrowing expenses and need to address capital gains tax (CGT). We can help.

Yes. We create individual reports and consolidate summaries so you get a clear picture at tax time.

Our Offices Around Australia

Craigieburn

46 Vautier Avenue, Mickleham VIC 3064

Tasmania

301 Invermay Road, Launceston TAS 7248

Geelong

Suite 1, 41 Malop St, Geelong VIC 3220

Truganina

1/16 Prosperity St, Truganina VIC 3029

Brisbane

Suite No. 1681, 17 Gould Road, Herston 4006 QLD AU

Sydney

81-83 Campbell St, Surry Hill NSW 2010

Get Your Property Tax Return Done Right

Book a free rental property tax consult today and let’s claim every dollar you’re entitled to — the right way.