End of Financial Year: What Property Investors Need to Know

A practical guide to wrapping up 2025–26 as we move into the new 2026/2027 financial year and setting yourself up for what’s ahead.

With 30 June fast approaching, now is the time for property investors to get organised. Whether you own one investment property or a growing portfolio,  a little preparation before EOFY can make a meaningful difference to both your tax position and your understanding of how your investment is performing.

Here’s what we recommend having in order before the financial year closes.

Gather Your Income and Expense Records

Your property manager should be your first point of contact. Request a full rental income and expenditure statement for the period 1 July 2025 to 30 June 2026. This should capture all rent received, management fees, maintenance costs, council rates, landlord insurance, and any other outgoings.

If you’ve had repairs or improvements carried out this year, make sure you have the invoices on hand and understand the distinction between the two, repairs are generally deductible in the year incurred, while capital improvements are depreciated over time. Your accountant will want clarity on this.

Don’t Overlook Depreciation

Depreciation is one of the most commonly underutilised deductions available to property investors. If you don’t have a current depreciation schedule for your investment property, it’s worth speaking to a quantity surveyor before 30 June. For properties purchased after May 2017, the rules around plant and equipment depreciation have changed, make sure your schedule reflects current legislation.

Interest and Loan Costs

Loan interest on your investment property is deductible, but only for the period the property was available for rent. If your property was vacant for any portion of the year, your deductible interest needs to be apportioned accordingly. Gather your loan statements and confirm the interest charged for the full financial year.

If you’ve refinanced during the year, there may also be borrowing costs to consider.

Check Your Insurance

Landlord insurance premiums are generally tax deductible. If you haven’t reviewed your policy recently, EOFY is a good prompt to ensure your coverage is still appropriate for the property’s current value and tenancy situation.

Consider Timing of Any Planned Works

If you’ve been weighing up maintenance or repairs on your investment property, completing them before 30 June means you may be able to claim the deduction this financial year rather than waiting. Speak to your accountant about whether the timing works in your favour.

Speak to Your Accountant Early

The weeks leading up to 30 June are busy for tax professionals. If you have questions about your property’s tax position, or you’re considering selling, purchasing, or restructuring before year end, book your appointment now rather than leaving it to the last minute.

Looking Ahead

EOFY isn’t just about tax. It’s also a good opportunity to review how your investment property is performing and whether it’s still aligned with your longer term goals. Is your rent keeping pace with the current market? Is your property manager providing proactive advice and communication? Are there opportunities to improve returns or expand your portfolio in the years ahead?

Ready to review your investment property?

Whether you’d like an updated rental appraisal, a review of your property’s current market position, or simply a conversation about your next investment move, the Noel Jones team is here to help.

Contact your local Noel Jones office today or visit noeljones.com.au to get started.

Disclaimer: The information in this article is general in nature and does not constitute financial or tax advice. We recommend speaking with a qualified accountant or financial adviser regarding your individual circumstances.

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