Company vs Trust for Property Investors: Which One Wins in 2026? (Australia)

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In this video, Richard Morgan breaks down the three ways to own an investment property in Australia — personal name, trust, or company — and which one actually fits your situation, especially after the May 2026 budget reshaped the rules.

He walks through what each structure really is, the pros and cons of each, and the scenarios where investors use them: the negative gearing changes that hit personal names harder than companies, why the removal of the 50% CGT discount has quietly flipped the case for buying through a company, the land tax thresholds you keep (or lose) depending on your structure, how each option eats into your borrowing capacity, and the retained-profit strategy that's become far more attractive for self-employed investors wanting to scale a portfolio. He finishes with what he'd actually do as a 30-year-old investor today — which structure he'd pick first and when he'd switch.


Richard Morgan is a mortgage broker of 8 years who draws on over $1B in finance conversations and a personal portfolio built past $30M to help Australians borrow smarter. Through Freedom Funding, he works with clients on lending strategy, loan structuring, and maximising borrowing capacity so they can build a portfolio that actually performs.


DISCLAIMER: Not Legal, Financial & Taxation Advice. The Listener acknowledges and agrees that: Any information provided is for general information purposes only; We have not taken the Listener's personal and financial circumstances into account; We have not provided legal, financial or taxation advice; Information provided must be verified by an independent professional advisor prior to acting or relying on it; The information may not be suitable or applicable to the Listener's individual circumstances; We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and we are not authorised to provide financial services to the Listener.