EP13 Budget Night Aftermath: Capital Gains, Negative Gearing, Trusts
The 2026 Federal Budget has caused more noise than most. Tim sits down with Tristan Perry to break down what the budget actually means for Aussie expats - without the panic. We cover the three changes everyone's asking about: the phasing out of the 50% Capital Gains Tax discount (and why the new indexation method might actually work in expats' favour), the negative gearing changes hitting established property purchases, and the new 30% withholding tax on discretionary trust distributions. We also touch on the EV fringe benefits tax phase-out, the $250 personal tax offset, the instant asset write-off becoming permanent, and what all of this means for borrowing capacity as an Aussie expat. Quick reminder: this was recorded the Thursday after budget night, so the legislation isn't finalised yet. We're working from the announcements, and the detail will firm up over the coming weeks. 00:00 - Welcome and why this budget caused such a stir 00:44 - The top three changes: CGT, negative gearing, trusts 02:11 - Quick disclaimer: this is the Thursday after, legislation isn't out yet 04:00 - Capital Gains Tax: the 50% discount is going, indexation method is back 06:30 - Why CGT changes might actually benefit expats 09:00 - The new-build CGT exemption and how to choose your method 10:00 - What to do with existing properties (and getting a 1 July 2027 valuation) 11:50 - Pre-1985 properties and the six-year main residence exemption 13:30 - Negative Gearing: established vs new builds from budget night 16:00 - What negative gearing changes mean in practice 17:30 - Quarantining losses against future property income 19:30 - How the new-build market might shift over the next 12 months 20:35 - Discretionary Trusts: the new 30% withholding tax 22:30 - Are companies back on the table as a vehicle? 25:15 - What to do if you've already got a trust with property in it 27:50 - EV fringe benefits tax exemption is being phased out 28:50 - The new $250 personal tax offset (and why expats miss out) 29:10 - Instant asset write-off made permanent for small business 30:00 - What it all means for borrowing capacity and existing approvals 31:00 - Final thoughts: don't panic, think about your next purchase structure About Aussie Expat Home Loans AEXPHL helps Australian citizens and PRs living overseas buy investment properties and future family homes back in Australia, and refinance existing Australian loans - all managed remotely from Singapore, Hong Kong, Dubai and globally. Most brokers don't understand how Australian lenders assess foreign currency income. We do. That's the difference between an approval and a knock-back. Check your borrowing capacity: https://aexphl.com Email: [email protected] WhatsApp Tim: +65 8479 3873 Singapore | Hong Kong | Melbourne Subscribe for more episodes on Aussie expat property, finance, tax and life overseas. #AussieExpat #AustralianBudget #ExpatHomeLoans #NegativeGearing #CapitalGainsTax #AustralianProperty #ExpatFinance #SingaporeExpat #HongKongExpat #DubaiExpat #AussieInAsia #PropertyInvestment #AustralianMortgage #ExpatMortgageBroker #AEXPHL 🎧 Listen to the podcast on other platforms: Spotify - https://open.spotify.com/show/4zQFgFo... TikTok - / the.aussie.expat Instagram - / the.aussie.expat 🌏 Find out more: https://www.aexphl.com/theaussieexpat 📩 Contact us: [email protected]