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Real Estate Insight

Changelog

What's changed

Every change to a rate, a rule or a calculation, newest first. If a figure you saw earlier looks different now, this is where to find out why.

    • New stamp duty calculators for every state and territory, and first home buyer pages with each concession, grant and 5% Deposit Scheme cap.
    • New 6-year rule calculator for a home you rented out: the absence rule, the partial main residence exemption, the market value reset when first rented, and both readings of the unsettled split at 1 July 2027.
    • New CGT calculator for shares and ETFs: the deemed sale at 30 June 2027 at market value, indexation after it, and losses used against deferred gains first, checked against the Explanatory Memorandum examples.
    • New Help to Buy calculator with the 2026-27 income limits and price caps, checked against Housing Australia's own worked example.
    • New home loan calculators: borrowing power (with the 3% buffer, 2026-27 study loan repayments and the debt-to-income limit), repayments and refinancing.
    • New land tax calculators for every state and the ACT, with company and trust rates, the foreign owner surcharge in each state and the Victorian election promises.
    • Fixed: land values exactly on a Victorian, Queensland or Tasmanian bracket boundary (for example $600,000 in Queensland) were charged at the lower bracket.
    • Foreign owners who live in Australia no longer pay the Victorian, Queensland or ACT land tax surcharge in the full analysis. Those surcharges only apply to owners living overseas.
    • The Queensland foreign surcharge now starts above $349,999, as the Act says, which adds 3 cents.
    • New calculators: capital gains tax (2027 rules), negative gearing, sell or keep, and new build vs established.
    • New guides: negative gearing changes 2026 (with a grandfathering check) and capital gains tax changes 2027.
    • New calculators: the 30% minimum tax on capital gains, and 30 June 2027 valuation vs Treasury's formula.
    • Added Treasury's draft apportioning method for the 30 June 2027 value. It reproduces the determination's worked example to the cent.
    • Added the income support exemption from the 30% minimum tax on capital gains.
    • Fixed: the analysis page failed to load when weekly rent was $1,000 or more.
    • Corrected: a home bought before Budget night stays grandfathered when it is first rented out. This is law under the Tax Reform No. 2 Act (s26-155(3AA)), not a draft as we first said.
    • Relaunch on a new engine: every state's 2026-27 transfer duty, title fees, land tax, first home buyer concessions and grants, LMI, and the 2026 negative gearing and CGT reforms.
    • Income tax for 2025-26 to 2027-28, including the 15% and 14% bottom rates and the Working Australians tax offset.