Again, this will depend on your financial goals which our expert team can assist with. When it comes to positive and negative gearing, it’s crucial you have a solid understanding of each. Negative gearing is a tax benefit you can claim if your borrowing costs are higher than the money you’ve made from an investment property. These losses can be claimed against your total income and increase your tax return and the income on your investment. Positive gearing, on the other hand, refers to when the income from your investment property exceeds the cost of owning the property. It takes into account your loan repayments, interest and all other out of pocket expenses, like rates, water and maintenance costs. Speak to one of our finance professionals to find the strategy that best suits you.