Home Loan Finance Online :: News
SHARE

Share this news item!

Macquarie Bank Updates Investor Loan Policies in Response to Negative Gearing Reforms

Implications for Property Investors and Borrowing Capacity

Macquarie Bank Updates Investor Loan Policies in Response to Negative Gearing Reforms?w=400

The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.

In response to recent federal budget reforms restricting negative gearing to new property constructions, Macquarie Bank has revised its investor loan assessment policies.
Effective 18 May 2026, the bank will exclude negative gearing benefits from serviceability calculations for investment properties purchased after 12 May 2026, unless they are new builds contributing to housing supply.

Negative gearing has traditionally allowed investors to offset losses on investment properties against other income, thereby reducing taxable income and enhancing borrowing capacity. The federal government's decision to limit this benefit to new constructions aims to stimulate housing supply and address affordability issues. Macquarie Bank's swift policy adjustment reflects its commitment to aligning with regulatory changes and prudent lending practices.

For property investors, this policy shift means that the tax benefits associated with negative gearing will no longer enhance borrowing capacity for purchases of existing properties. This change could lead to a reassessment of investment strategies, with a potential shift towards new developments to retain tax advantages. Additionally, investors may need to provide more substantial evidence of income and financial stability to meet serviceability requirements without the negative gearing add-backs.

It's crucial for investors to stay informed about these policy changes and consider their implications on investment decisions. Consulting with financial advisors or mortgage brokers can provide tailored advice to navigate the evolving lending landscape and identify opportunities that align with individual investment goals.

In summary, Macquarie Bank's policy revision in response to negative gearing reforms underscores the dynamic nature of the property investment sector. Investors are encouraged to adapt their strategies to align with new regulations and explore avenues that continue to offer financial benefits within the updated framework.

Published:Sunday, 14th Jun 2026
Author: Paige Estritori

Please Note: We do not endorse any specific products or companies. Some content is sourced from third parties, including press releases, and may not be independently verified for accuracy or completeness.

Share this news item:

Rate this article

0 Comments

No comments yet. Be the first to share your thoughts.

Finance News

Chery Q Shapes Up as a New Budget EV Contender for Australia
Chery Q Shapes Up as a New Budget EV Contender for Australia
28 Jun 2026: Paige Estritori
Australia’s budget electric vehicle segment could be heading for another shake-up, with Chery’s compact Q model emerging as a potential rival to the current price leaders. The small EV has gone on sale in Thailand at a sharply competitive price, giving Australian buyers an early clue about where Chery may position the car when it reaches our market. - read more
ASIC’s Car Finance Review Puts EV Buyers on Notice
ASIC’s Car Finance Review Puts EV Buyers on Notice
28 Jun 2026: Paige Estritori
Australia’s car finance market is under fresh scrutiny after ASIC released its latest review of car loans on 24 June 2026, highlighting concerns that are highly relevant for anyone planning to finance an electric vehicle. While the report covers the broader motor finance sector, its findings matter for EV shoppers because higher purchase prices, rapid model changes and varying resale assumptions can make the real cost of finance harder to judge at first glance. - read more
What New Boat Loan Guidance Means for Jetski Buyers
What New Boat Loan Guidance Means for Jetski Buyers
27 Jun 2026: Paige Estritori
Canstar’s latest boat loan comparison update puts a timely spotlight on how Australians are funding life on the water, and the lessons are directly relevant for anyone considering a new or used jetski. While a personal watercraft may be smaller than a cabin cruiser or fishing boat, the finance principles are much the same: the right loan is not simply the one with the lowest advertised rate, but the one that fits your income, usage plans and repayment comfort. - read more
Judo Bank Loan Shock Puts SME Credit Quality Back in Focus
Judo Bank Loan Shock Puts SME Credit Quality Back in Focus
27 Jun 2026: Paige Estritori
Judo Bank has put SME lending risk back under the spotlight after its listed parent, Judo Capital Holdings, suffered a sharp share price fall on 25 June 2026. The specialist business lender disclosed that three customer exposures had deteriorated in recent weeks, prompting higher credit provisions and a downgrade to its expected full-year profit before tax. - read more


Home Loans Articles

Refinancing Your Home Loan: When and Why to Consider It
Refinancing Your Home Loan: When and Why to Consider It
Refinancing a home loan is a process many Australian homeowners consider at some point. But what exactly does it mean? In simple terms, refinancing involves replacing your existing mortgage with a new one—usually with different terms. Homeowners often look into refinancing for several reasons, whether it’s to secure a lower interest rate, consolidate debts, or switch from a fixed to a variable rate (or vice versa). - read more
The Hidden Costs of Home Loans: Don’t Get Caught Off Guard
The Hidden Costs of Home Loans: Don’t Get Caught Off Guard
When embarking on the journey of homeownership, many Australians find themselves navigating the complex world of home loans. On the surface, the mortgage process might seem straightforward. You find a home, secure a loan, and make payments until it’s fully paid off. However, the reality is more intricate, involving various fees and charges that can quickly add up. - read more
Fixed vs Variable Rates: Choosing the Right Home Loan for You
Fixed vs Variable Rates: Choosing the Right Home Loan for You
For many Australian consumers, buying a property is one of the most significant financial decisions they'll make. Navigating the home loan landscape effectively is crucial to easing the journey toward property ownership. - read more
How to Compare Home Loans: Tips for Finding the Best Deal
How to Compare Home Loans: Tips for Finding the Best Deal
When you're in the market for a new home, finding the right loan can save you thousands of dollars over the life of the mortgage. Comparing home loans is crucial for Australian buyers looking to secure the best possible deal. With various options available, understanding the finer details can make a significant difference in your financial journey. - read more


Free Assessment

Loan Amount:
Postcode:

All quotes are provided obligation-free by a participating broker from our national referral partner network. We respect your Privacy.


Knowledgebase
Balance Sheet:
A financial statement that summarizes a company's assets, liabilities, and shareholders' equity at a specific point in time.