Property Tax Changes · Koste Knowledge Base

Should I sell before the CGT changes start?

Published 26 June 2026 · Last updated 26 June 2026

Quick Answer

Do not sell only because tax rules are changing. Whether to sell before CGT changes start depends on your cost base, market conditions, loan position, depreciation history, ownership structure and personal tax advice.

This is a high-urgency question, but it should be answered carefully.

Investors should consider:

Is the law final?
What is the proposed start date?
What is the expected capital gain?
What is the current cost base?
What depreciation has been claimed?
What capital works exist?
What is the loan position?
What are market conditions?
Is the property positively or negatively geared?
What is the ownership structure?
Is the property held personally, in a trust or SMSF?
Are there selling costs?
What replacement investment would be purchased?

Koste.ai should not tell investors whether to sell. It should help them prepare the information their accountant needs.

Frequently Asked Questions

Should I rush to sell?

No. Get accountant and financial advice first.

What records do I need?

Purchase, sale, renovation, depreciation and capital works records.

Does depreciation affect the decision?

It can, because capital works and cost base records may affect CGT.

What if the rules change again?

That is why investors should avoid acting on headlines alone.

Can Koste.ai help prepare?

Yes. Koste.ai can support depreciation and CGT cost base information before advice is given.

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Written by Koste Team · Koste Chartered Quantity Surveyors · AIQS Member · RICS Member · TPB Registered · 1300 669 400 · info@koste.ai