New Tax Rules for Expats: What Happens to Your Property & Super After 2027?

Описание: Capital gains tax change for expats explained: how Australia's 2026 Budget reshapes CGT, negative gearing and family trusts for Australians living overseas with property or shares back home.

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From 1 July 2027, the 50% capital gains tax discount on Australian property and shares is being replaced by an inflation-based indexation method, a system Australia phased out in 1999. Tim is in Melbourne with Tristan Perry to unpack what has actually changed since budget night, and what the capital gains tax change means for expats holding assets back home.

In this episode:
→ Negative gearing isn't gone. Properties held on budget night are grandfathered. For established property bought after that, losses from 1 July 2027 can only offset property income, such as rent or capital gains, not your salary.
→ New builds keep the benefits, including knock-down rebuilds that add dwellings and, in Tristan's view, new granny flats.
→ Why non-residents never had the 50% discount anyway, and why they miss out on indexation while overseas.
→ The capital gains tax change that spooked expats: the original wording that could have locked out anyone who'd ever lived abroad, and the proposed fix for returning residents. That fix is still draft; Tristan expects it to pass.
→ Do you need a property valuation now? Tristan says no. Retrospective valuations are standard practice, and the ATO has flagged more than one method.
→ The main residence exemption and six-year rule are unchanged, but you must be an Australian tax resident when you sell.
→ Family trusts: a 30% non-refundable minimum tax on distributions from 1 July 2028, why bucket company strategies take a hit, and a proposed fixed-entitlement option.
→ Division 296 tax on super balances over $3 million, and the end of SMSF limited recourse borrowing for residential property.

If you're an Aussie expat with property, shares or a trust in Australia, this is your plain-English guide to the capital gains tax change and everything around it.

Recorded late September 2026. Some changes are draft legislation and may shift. This is general information, not tax advice. Speak to a qualified adviser about your situation.

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Tim and his guests unpack the money questions Australians living overseas actually face: home loans, tax, property and super. The aim is to help you make better decisions about your finances back home, wherever you are in the world.

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New property legislation could impact your indexation methods. We analyze the risks for expats owning property overseas.

The latest legislative changes are creating concern for those who have previously lived abroad. We discuss the drafting of this law and why it could potentially disqualify individuals from accessing specific indexation methods or discounts that were previously available.

For any aussie expat with a footprint in the local market, understanding these policy shifts is critical. We break down the proposed rules and what they mean for your long-term property investment strategy.

→ The specific concern regarding overseas property ownership
→ How the drafting impacts eligibility for future discounts
→ Why immediate awareness is required to protect your position

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0:00 Trailer
1:08 Tax Changes Since The Budget
2:30 Negative Gearing: What Changed
4:25 New Builds Keep The Benefit
5:13 The Biggest Misconception
7:41 The 50% CGT Discount Is Going
9:18 The Legislation Scare
10:48 Do You Need A Valuation Now?
12:30 Main Residence Exemption
14:06 Trusts: The 30% Withholding Tax
16:23 Bucket Companies Hit
18:44 Division 296 And Super
19:35 The SMSF Borrowing Ban