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Ownership guides · General information onlyOwner-occupier, investor and dual-key outcomes depend on eligibility, structure and timing. General information only, not tax advice. Bring these questions to your accountant early, while you can still choose.
Your intended use shapes stamp duty, grants, concessions, deductibility and later capital gains treatment. Decide the intent before you sign — changing it later can have consequences.
General guides cannot cover your income, ownership structure or state rules. Ask your accountant for written advice referencing your package, contract and settlement timing.
Contracts, variations, site-cost reports, titles and every “fixed vs from” builder letter. If it is not documented, your accountant cannot claim or defend it.
Starting points for that conversation — not answers.
Stamp duty, grants, concessions, capital gains treatment and deductibility can all differ by intent and eligibility. Confirm which apply to you before you sign — package prices exclude stamp duty and government charges.
Dual-key designs can have different rental, depreciation, lending and council treatment from a standard home. Ask how each part would be treated if you live in one side and rent the other — and get it in writing.
Land settlement, build completion and when you move in or first rent out can each matter. Ask which dates your accountant needs recorded, especially on untitled lots with long gaps.
Individual, joint or entity ownership can change duty, land tax, income splitting and later sale outcomes. Ask before contracts are signed — restructuring afterwards is usually harder and costlier.
New builds can have depreciation and deduction rules that differ from established homes. Ask what needs a quantity surveyor schedule, what must be substantiated, and what happens if the property use changes.
Contracts, variations, site-cost reports, titles, settlement statements, loan documents and every “fixed vs from” builder letter — plus dates you moved in or tenants moved in. Your accountant will want all of them.
Run a rough after-tax estimate first, then ask us for an investor pack on a live package.