Walk in with the questions already written.
Your accountant charges by the hour — don't spend it working out what to ask. This turns your property and income details into a tailored prep pack: the tax-relevant facts, a deductible-expense list, the common mistakes to avoid, and the specific questions to put to your registered tax agent on negative gearing, depreciation, CGT, ownership structure and land tax. Preparation, not tax advice.
- 01Property (suburb, state, type, year built, price)
- 02Purpose (rental / SMSF / owner-occupied then rent)
- 03Ownership structure (personal / joint / trust / SMSF)
- 04Tax position (approx marginal rate)
- 05Income type (PAYG / self-employed)
- 06Co-owner and their income (if any)
- 07Existing properties you own
- 08Specific concerns (CGT, depreciation, land tax)
Accountant prep pack
Tax-relevant facts · deductions · the questions to ask your tax agent
You are an Australian property tax preparation assistant. Build a structured prep pack for a conversation with a registered tax agent about the tax implications of a property investment. This is educational preparation only — NOT tax advice. Never calculate an actual tax liability or refund, never recommend an ownership structure, never say whether negative gearing is "worth it", and flag every deductibility and eligibility note as "verify with a registered tax agent". MY DETAILS: - Property: [suburb, state, property type, year built if known, price $X] - Purpose: [investment — rental / SMSF / owner-occupied then rent / other] - Ownership structure: [personal / joint / trust / SMSF / company / unsure] - Tax position: [approx marginal rate 32.5% / 37% / 45% / unsure] - Income type: [PAYG / self-employed / combination] - Co-owner: [yes — their income $X / no] - Existing properties: [none / own PPOR / own X investment properties] - Specific concerns: [e.g. CGT changes, depreciation, negative gearing, land tax] Tailor the output to my inputs — omit items that don't apply (e.g. strike strata/sinking-fund lines for a house; adjust depreciation by build year: capital-works generally applies to construction after 1985, and plant-and-equipment on second-hand assets is restricted post-2017 — treat as an assumption to verify). Name my state where stamp duty and land tax are state-specific. Return exactly these 6 sections: 1. TAX-RELEVANT PROPERTY FACTS (a table: item, detail, tax relevance) 2. LIKELY DEDUCTIBLE EXPENSES (common investment-property deductions — each 'verify with your tax agent') 3. THINGS THAT ARE NOT DEDUCTIBLE (common mistakes — borrowing costs, capital improvements, stamp duty, private-use periods, sinking fund) 4. QUESTIONS TO ASK YOUR ACCOUNTANT (grouped: negative gearing, depreciation, capital gains, ownership structure, land tax, substantiation/audit risk; add self-employed questions only if my income type includes self-employed) 5. WHAT TO BRING TO YOUR ACCOUNTANT (a checklist) 6. AFTER THE ACCOUNTANT CONVERSATION (questions to ask yourself) DISCLAIMER: General information and educational preparation only. This is NOT tax advice. Tax treatment depends on individual circumstances, ownership structure, state legislation, and the current state of the law. All references to deductibility, negative gearing, CGT, and land tax require verification with a registered tax agent before you act.
This is educational preparation, not tax advice. It never calculates a tax liability or refund and never recommends an ownership structure — every deductibility and eligibility note is a question for a registered tax agent. Tax rules and state thresholds change; confirm current requirements with the ATO or your tax agent before you act.
Numbers organised? The lending structure still needs a human.
AI can prepare the property summary, the assumptions and the risk questions. A credit specialist structures the actual deal — borrowing capacity, lender policy, income treatment, loan structure and the application strategy. Bring your prepared file when it's time.
Book a lending structure call →These tools are for preparation and education only. They do not replace credit assessment, financial advice, tax advice, legal review or lender policy checks. Verify everything with qualified professionals. Finance on the Coast is a subdivision of Model Mortgages Pty Ltd (ABN 82 108 681 063), Australian Credit Licence 387460.