Keep more of your investment returns by structuring, claiming, and planning your tax legally and confidently—without creating lending or audit headaches later.
Investment tax isn’t just about “getting a bigger refund”. It’s about making sure your property, shares, crypto, or business investments are structured correctly from day one, and that every claim you make is defensible if the ATO ever asks questions. We help Melbourne investors optimise tax outcomes while keeping your financials clean and lender-ready, so your next purchase or refinance is easier—not harder.
IS THIS RIGHT FOR YOU?
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You’re unsure if your investment property is being claimed correctly (interest, depreciation, repairs vs improvements, travel, etc.).
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You’re planning to buy another property and want your tax position to support lending, not reduce borrowing capacity unnecessarily.
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You’ve sold an asset (property, shares, crypto) and don’t want to guess the capital gains tax outcome.
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You’re using (or considering) a trust or company and want clarity on what actually saves tax vs what just adds complexity.
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You’ve got multiple income streams (PAYG + business + investments) and want a simple, legal plan that ties it together.
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You’re worried past returns were “too aggressive” or inconsistent and want to fix it before it becomes a problem.
HOW IT WORKS
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Investment & Income Snapshot
We review what you own, how you earn, and what you’re trying to achieve (cash flow, growth, buying again, reducing risk). -
Structure & Strategy Review
We check ownership, loans, entities (individual/trust/company), and how income and deductions flow—then identify the biggest tax levers. -
Claiming & Evidence Clean-Up
We tighten deductions, separate repairs vs capital works, review depreciation, and make sure your records and explanations would stand up if reviewed. -
CGT & Timing Plan
If you’re selling or considering selling, we map CGT, offsets, and timing choices (financial year planning, carry-forward losses, distribution planning). -
Action Plan + Ongoing Optimisation
You get a clear plan with next steps. If lending is involved, we align the tax outcome with serviceability and lender expectations.
WHAT MAKES US DIFFERENT
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Tax strategy that doesn’t break your borrowing power → We balance “lowest tax” with “strong, consistent financials” so lenders trust your numbers.
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Finance + tax under one roof → Your loan structure, deductibility, and entity setup are considered together (not in silos).
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Advice-first, evidence-backed → We focus on what you can defend, not just what you can claim. That means fewer nasty surprises later.
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Melbourne/Victoria context → We factor in local realities like stamp duty impacts, land tax considerations, and how investment decisions affect cash flow.
Frequently asked questions
Will this reduce my tax every year?
Not always—and that’s the point. Sometimes the “best” tax outcome creates problems for lending, cash flow, or future CGT. We aim for the best overall outcome across tax, risk, and your next investment move.
Can you help if I’ve already bought the investment?
Yes. We can review ownership, loan purpose, deductions, and depreciation, and make sure your current setup is as clean and optimised as possible going forward.
Do you handle capital gains tax (property, shares, crypto)?
Yes. We calculate CGT properly, explore offsets and timing strategies, and help you understand the real after-tax result before you sell (or shortly after if it’s already happened).
How does this affect my next home loan or investment loan?
Tax planning can change your taxable income and add-backs lenders use (like depreciation). We’ll structure and present your position so it’s both tax-effective and lender-friendly.
What does it cost and is there any commitment?
We’ll quote based on complexity (number of properties/assets/entities and whether there’s a sale or restructure). The first step is a strategy session—no obligation to proceed beyond that.
Next Step
If you want clarity on what you can claim, how to structure investments, and how to keep your tax position strong for your next purchase, let’s map it properly. We’ll give you a plan that’s legal, practical, and aligned with your longer-term wealth goals.
Chat with DFG today
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