EOFY Property Investment Guide 2025

As the end of financial year (EOFY) quickly approaches, property investors across Australia have a valuable opportunity to not only maximise tax benefits, but to strategically set themselves up for the year ahead. With a little smart preparation, investors can unlock greater returns, avoid last minute stress, and step into the new financial year with clarity and confidence.

Whether you’re a first-time investor or managing a growing portfolio, now is the perfect time to get organised and close out the financial year on a strong note.

Gather your documents

To kick things off, getting your paperwork in order is one of the most important steps in EOFY preparation when it comes to increasing your chances of maximising your return. 

Make sure you’ve prepared the following: 

• Rental income statements 

• Loan statements with interest paid 

• Property management statements 

• Invoices and receipts for repairs, maintenance, or renovations 

• Council rates, water bills, strata levies 

• Insurance documents 

• Legal or accounting invoices 

• Advertising costs 

These records help you declare your income to the ATO accurately and claim eligible deductions with certainty. They’re also essential for providing proof for your entitlements. 

What you need to declare to the ATO:

• Rental income received 

• Retained rental bonds (for unpaid rent or damages) 

• Insurance payouts 

• Government relief or support payments related to the property 

Deductions you can claim:

• Management and maintenance costs – including advertising, cleaning, and property management fees 

• Borrowing expenses – such as interest paid on an investment loan, mortgage stamp duty, and loan application fees 

• Rates and taxes – like water rates and council rates 

• Depreciation – on the building and eligible fixtures (via a depreciation schedule) 

• Property insurance premiums 

Having this organised early means fewer surprises and your accountant can serve you more accurately. 

Don’t sleep on depreciation

Depreciation is one of the most underutilised tools by property investors – but it can make a huge difference to your bottom line.

A depreciation schedule is a comprehensive report, prepared by a surveyor, that outlines the deductions from wear and tear on the building and its fixtures over time. If you already have a depreciation schedule, now’s the time to review it and ensure it’s still accurate, especially if you’ve made recent upgrades. If you don’t have one, it may be a worthwhile investment, particularly for newer or recently renovated properties.

Another hidden bonus is that the cost of the schedule itself is also deductible. That’s savings on top of savings!

Is your loan still working for you?

When was the last time you reviewed your investment loan? It certainly shouldn’t be a set-and-forget decision. With interest rate shifts, this is the perfect time to take a fresh look at your loan structure and interest costs. Is your current setup still serving your investment strategy? Or could you do better? Take some time to shop around to see whether your rate is still competitive. If you’ve recently made the switch from interest-only to principal and interest, review the impact on your cash flow and consider refinancing if needed. 

Need help assessing your finance strategy? Our partner finance team specialises in helping investors structure smart loans that grow with your portfolio. Speak to their brokers for a review. 

Leverage your experts

Having a trusted team can make all the difference in navigating the EOFY as they ensure no stone is left unturned. 

Your accountant can help you identify last minute deductions, plan for capital gains/losses, and advise on structuring your finances for the year ahead. 

A property manager will provide a clear breakdown of your income and expenses, highlight upcoming lease expiries or rent reviews, and identify proactive maintenance for the upcoming financial year. 

With expert guidance, you can enjoy peace of mind and make more informed decisions. 

Maintenance or Makeover?

Here’s where it gets a little more technical. The timing of repairs and upgrades can affect what you can claim this financial year. 

Repairs and maintenance, such as fixing a leaking tap or patching up a wall, are generally immediately deductible – so if you want to claim deductions this time around, make sure to have these completed by June 30. Large scale renovations or improvements, such as a full kitchen upgrade or installing a new ceiling, are considered capital works that are depreciated over time. 

Repairs for damage that existed in the property at the time it was purchased are not deductible – the property’s condition is considered part of the purchase price. 

Sell smart, not soon

If you’ve been thinking about selling an investment property, you may want to hold off until the next financial year. By doing this, you can push the capital gains tax implications into the next year, allowing you more time to plan and potentially offset the gain with other strategies. Before deciding, speak to your accountant to map out the most tax-effective timing. 

If you’re ready to sell, Blink Property’s sales team is here to assist – offering tailored support to help investors dispose of assets strategically. Whether you’re consolidating or reshuffling your portfolio, get in touch today to discuss your goals and make your next move with confidence. 

Reflect on your performance

EOFY provides a great opportunity to reflect on your portfolio’s performance. Take a moment and ask yourself: 

• Have your rents kept pace with the market? 

• Has your property experienced high turnover or long vacancies? 

• Is your current yield on track with your long-term goals? 

• Is your insurance coverage appropriate for your property – or is there a better deal out there? 

By reviewing this, you can strategically set your portfolio up for success and improve its resilience for the following years. 

More than just a deadline

The EOFY isn’t just about paperwork. It’s an opportunity to fine-tune your finances, sharpen your strategy, and put yourself in control. Revisiting your goals can provide a blueprint to future-proof your investment roadmap for high performance. It’s not just about closing the books – it’s about setting yourself up for growth and achieving what matters most.