An EOFY checklist for property investors

30 June comes around faster than you'd think. A little preparation now can save you stress — and potentially tax — at year end. Here's a simple checklist for property investors.

1. Get your paperwork in order

Pull together your rental income and expense records, loan and interest statements, and your depreciation schedule. Having it all in one place makes your accountant's job — and yours — far easier.

2. Review your loan structure

A new financial year is a good prompt to check your investment loan is still working for you — interest-only vs principal-and-interest, whether an offset suits, and whether your rate is still competitive. Small structural tweaks can make a real difference to your cash flow.

3. Think about timing

Some investors bring forward deductible expenses or repairs, or consider prepaying interest, before 30 June — but the right move depends entirely on your circumstances. Your accountant is the person to confirm what makes sense for you.

4. Check your position for next time

If another purchase is on the horizon, it's worth knowing where you stand on equity and serviceability. Our borrowing power calculator gives a quick sense of your capacity, and our property fees calculator estimates the upfront costs of the next one.

We'll help with the finance side

We're mortgage brokers, not accountants — so pair this with your tax adviser's guidance. When it comes to the loan side, have a chat with us and we'll make sure your finance is set up to support your next move.