Tax & Accounting2025年澳洲个人所得税申报指南（华人必看）
每年6月30日是澳洲财政年度截止日，7月1日起即可申报个税。本文为在澳华人详解申报流程、常见扣除项目，以及最容易被忽略的省税机会。
30 Apr 2025 8 分钟阅读
Investment Property Tax That Finds What Others Miss
Most property investors overpay tax because they don't have a specialist working for them. Our CPA-qualified team reviews every deduction available — depreciation, negative gearing, CGT timing — so you keep more of what your property earns.
$9,500+
Avg. annual tax saving
per investor client
85%
Had missed deductions
on first CPL review
400+
Investor clients
currently served
100%
Depreciation schedule
coordination included
Is This Right For Me?
We work best with clients who…
Own 1–3 investment properties
Whether you're just starting or growing a portfolio, we tailor the strategy to your stage.
High-income earners
Negative gearing delivers more benefit the higher your income — we model your optimal position.
Negatively geared landlords
We apply for PAYG withholding variations so you get the tax benefit weekly, not at EOFY.
Planning to sell soon
CGT planning before sale can save tens of thousands. We advise on timing and structures.
Our Process
How We Work Together
01
Investment Property Review
We audit your current tax returns against your portfolio — most new clients find we uncover deductions they have been missing for years.
02
Strategy & Depreciation Setup
We coordinate a depreciation schedule (if you don't have one), apply for a PAYG variation, and document your full deduction position.
03
Annual Tax Return + Ongoing Advice
We lodge your annual return and proactively advise when you're considering acquiring, refinancing, or disposing of a property.
What We Do
What's Included
Depreciation Schedule Coordination
We connect you with approved quantity surveyors and review the schedule for accuracy. Clients regularly add $3,000–$12,000 in annual deductions they would otherwise miss.
Negative Gearing Optimisation
We calculate your exact gearing position, optimise your loan structure, and apply for PAYG withholding variations so you get the benefit each pay cycle.
Capital Gains Tax Strategy
Selling? We calculate your CGT position, apply the 50% CGT discount where eligible, and advise on timing strategies across financial years to minimise your liability.
Rental Deductions Audit
From loan interest and management fees to repairs, council rates, insurance, and advertising — we ensure every legitimate deduction is captured without triggering ATO scrutiny.
Property Borrowing Cost Deductions
LMI, establishment fees, and loan costs are deductible over 5 years — or immediately if the loan term is under 5 years. We track these automatically.
Cross-Division Investment Advice
Our property advisors (APIG) and finance brokers (CPL Finance) can review your portfolio strategy alongside your tax position — a service single-division firms cannot offer.
Client Case Study
We didn't know we'd been under-claiming for 4 years
The Situation
A Parramatta couple owned two investment properties and had been using a general accountant for their tax returns. Their combined annual deductions were $18,400.
What We Did
We commissioned depreciation schedules for both properties, applied for PAYG withholding variations, and restructured how their loan interest was allocated across the two properties.
The Outcome
Their deductible expenses increased to $31,200 — an additional $12,800 per year. With the PAYG variation, they stopped waiting for a tax refund and received the benefit in their weekly pay.
$12,800
additional annual deductions found
"All cases are anonymised. Results vary by individual circumstances."
计算器与工具
澳洲个人所得税计算器
估算您作为澳洲税务居民的年度应缴所得税，包含 Medicare 税和低收入抵免（LITO）。
Frequently Asked Questions
What deductions can I claim on my investment property?
Loan interest, depreciation, property management fees, council rates, insurance, repairs and maintenance, advertising, and accounting fees. The critical distinction is repairs (immediately deductible) vs improvements (claimed over time via depreciation).
Do I need a depreciation schedule?
If your property was built after 1985, almost certainly yes. Most investors who don't have one are leaving $3,000–$10,000+ per year unclaimed.
What is a PAYG withholding variation?
A PAYG variation allows your employer to withhold less tax each pay cycle, reflecting your investment property deductions. Instead of waiting for a lump-sum tax refund, you receive the benefit weekly. We apply on your behalf.
I'm planning to sell. What do I need to know about CGT?
CGT is calculated on the capital gain minus allowable costs. If held for over 12 months, you receive a 50% CGT discount. Timing the settlement can significantly change your liability — speak to us before signing.
Can you handle both my investment property tax and my partner's return?
Yes, we handle both in one engagement. Jointly-owned properties require both owners' returns to be prepared together — we ensure the income and deductions are split correctly and optimally.
TaxWin — Investment Property
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