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What is negative gearing?

Negative gearing is when an investment property costs more to maintain than the rental income it provides, meaning it operates at a loss. This loss is then deducted from your overall taxable income, which may reduce the income tax that you pay.
This is the opposite of positive gearing, which covers circumstances where the rental income made from the property is more than you pay in mortgage interest payments, maintenance bills and other costs.
An accountant can give you the most up to date information directly associated with your particular circumstances.

And you can read more about investment property including tips for researching and purchasing, in our helpful guide.

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Legal information about our rates
Our home loans are subject to credit criteria and eligibility requirements. Home loan interest rates are for new customers only and can change. Our comparison rates are based on a $150,000 loan amount over a 25 year term. They factor in fees associated with applying for the loan; ongoing fees and fees associated with leaving the loan. Our fixed loans roll to a variable principal and interest rate at the end of the fixed term. If the interest only period is not specified, the comparison rate is calculated on a one year period.

WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Tiimely Turnaround™
^Our turnaround times are up to 2x faster than the industry, based on a comparison of our average platform submit to approval time compared to industry submit to approval time, published here  (June 2023). Customer turnaround times are dependent on individual circumstances and may require an assessor to obtain more information.

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Tiimely FAQs and Guides
At Tiimely Home we are not financial advisers and recommend seeking independent financial and legal advice to check how the information we provide aligns with your individual circumstances.