A real $800k investment property case study under Australia's 2026 negative gearing changes — including whether there’s a neutral-gearing ‘sweet spot’ loan size, and how to re-weight OO vs investment debt for the best tax outcome.

A full worked example for a $260,000-income Perth family: how to structure the loan, release equity for the deposit and stamp duty, and what tax claims are still available after the 2026 negative gearing changes.

The proposed negative gearing changes have generated plenty of headlines. But what do they actually mean for a typical Australian investor? Perth mortgage broker Ian Freeman runs the real numbers on a $750,000 investment property — and the answer may surprise you.