Architects housing plan, with a calculator and pencil. Create your future at Brentnalls SA personal finance services with understanding insurance an overview.Investment Property | An Overview

People are consistently turning to real estate investment for its capital growth, tax benefits and future retirement income.

Planning your structure

As accountants and advisors, we can help in determining the optimum structure for the purchase of your investment property by assessing your current and future income.

Selecting the correct structure is vital. Options include:

  • As an individual
  • As a partnership - jointly or tenants in common
  • In a company
  • In a trust (unit trust, discretionary trust)
  • In a Self-Managed Superannuation Fund

Before settling on the type of structure, consideration should be given to the following:

  • Asset protection
  • Costs
  • Income tax planning
  • Retirement planning
  • Refinancing
  • Succession planning
  • Other taxes (GST, land tax, stamp duty)

Earning an Income

Income generated from your investment property is taxable. However, you are entitled to claim as deductions against your property income, the following:

  • Rates
  • Real estate agent management fees
  • Land tax
  • Depreciation
  • Interest
  • Capital works
  • Insurance
  • Other expenses incurred to generate income


Borrowing to acquire an investment property is a popular and common form of financial leveraging. Often the cost of borrowing exceeds the income received from the property; but it is only a timing issue - incurring losses now in favour of perceived capital gains on sale. The tax treatment of losses incurred can be used to offset other taxable income.

Making a Gain

It is wonderful to sell your investment property for a handsome profit however, this may also attract a potential tax liability form capital gains tax.

Tax planning is essential when considering the acquisition and disposal of any investment. It will allow you to explore all strategies or options available to minimise potential capital gains tax.

Cash Flow

Whilst we want to look at ways of minimising tax, this should not be your only focus when considering the acquisition and disposal of various investments. Equally important is planning and understanding the investment to ensure you have sufficient and consistent cash flow to sustain the property, personal finance and other pursuits.

How can Brentnalls SA help?

We are here to help you, email us to discuss your needs.

If you would like to print this information please click here for PDF format.

The information provided in this information sheet does not constitute advice.  The information is of a general nature only and does not take into account your individual financial situation. It should not be used, relied upon, or treated as a substitute for specific professional advice.  We recommend that you contact Brentnalls SA before making any decision to discuss your particular requirements or circumstances. 
Our Services

Our services go beyond compliance to find out more about your goals, your priorities and establish plans to grow and protect your future wealth. We will take the time to listen, ensuring we meet your goals, as well as guide you so you have a better understanding of the financial decisions being made. Our services include:

Accounting & Tax
Business Advisory
Wealth Creation & Preservation

Our People

Our Partners & Principals want to be part of your team that drives your future success, that provides you with solutions to your challengers. More importantly, who listens and knows exactly where you are going and what you want to achieve financially. 

"Helping you achieve your dreams, is our passion, and our strength is in our dedicated professional team."


News & Resources

Our priority is to ensure your kept up-to-date on trends, industry legislations, accounting and tax updates, business advisory information, superannuation and much, much, more. All of which, may have an impact on you and your business. Our resources provide additional supporting information in the following areas: 

Fact Sheets
News Articles
COVID-19 - Information Sheets
COVID-19 - Brentnalls SA Response

Our Location

255 Port Road

PO Box 338
Welland SA 5007 

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P: (08) 8241 8444
F: (08) 8241 8488

E: [email protected]

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