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Andrew Romano · Property tax & structuring

Before you buy property, get the strategy straight.

You can negotiate the purchase price and still have important questions unanswered. Start with the decision behind the purchase.

← Property tax and structuring

Start before the contract

The earlier you review the questions, the more time you have to obtain relevant advice. You do not need a selected property to begin. Your current position, objectives and proposed ownership can provide the starting point.

If there is already a contract or deadline, disclose it immediately. A review is not a substitute for urgent legal advice.

Four questions to resolve

  • Who is buying? Identify the intended owner and the reasons behind that choice.
  • What will it cost to hold? Examine cash commitments rather than relying on advertised rental return.
  • What depends on finance? Separate tax assumptions from the broker’s assessment and lender approval.
  • What needs to happen before commitment? Identify documents, professional input and unanswered questions.

Bring the assumptions—not just the listing

A useful review may need:

  • The listing or proposed transaction.
  • Intended ownership details.
  • Purchase and holding-cost estimates.
  • Current properties and commitments.
  • Loan information and progress with finance.
  • Relevant deadlines and advice already received.

The aim is not paperwork for its own sake. It is understanding the decision accurately.

Your next purchase is not a standalone decision

Current loans, structures, income and commitments may change the questions that matter. Review the proposed move in that context.

Read about cash flow and borrowing and personal, trust or SMSF ownership.

Know the next steps

The Initial Review identifies tax and ownership priorities and records further work in a consultation and your property strategy roadmap. It does not include a valuation, building inspection, legal contract review, lending approval or buyer advocacy.

Those services require separate arrangements. See the full property tax advice scope.

When should I seek pre-purchase tax advice?

Before committing to ownership and transaction arrangements where possible. If a contract is involved, disclose the dates and obtain appropriate legal advice.

Can I start before finding a property?

Yes. Your circumstances and ownership questions can be reviewed before the search is complete.

Does finance pre-approval settle the tax questions?

No. Lending and tax assessments serve different purposes.

Will you tell me which suburb to buy in?

That is not part of this tax and structure review.

Does this replace my conveyancer or solicitor?

No. Legal ownership, contract and transaction advice remain separate professional responsibilities.

Can the review include my existing portfolio?

Yes, where relevant to the proposed decision. Detailed portfolio modelling may require a separate scope.

Bring your next move into focus.

Initial Review $1,650, including a consultation and your property strategy roadmap.

Explore the Initial Review →