Mo Money #480 How to sell an investment property CGT free
Dec 10, 2025
Discover how to sell your investment property without incurring capital gains tax! Learn about Australia’s six-year rule and how it connects to the main residence exemption. The hosts dive into strategies for maximizing your gains while navigating first-home buyer schemes and rental deductions. Explore how your residency status can affect tax benefits and hear tips on valuing properties effectively. Perfect for property investors wanting to keep more of their profits!
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Six-Year Principal Residence Exemption
- Australia exempts your principal place of residence from capital gains tax while you live there.
- The six-year rule lets you rent out a former home and keep that exemption for up to six years after moving out.
Reset The Clock By Reoccupying
- Reset the six-year clock by moving back in before it expires to extend CGT-free periods.
- You can potentially repeat this tactic to chain additional six-year windows if timed correctly.
Rent Vesting While Keeping Exemption
- Rent out the property during the six-year period and continue claiming investment deductions.
- The PPR CGT exemption and negative gearing tax treatment operate independently, so declare rental income and claim expenses as usual.