EOFY 2026: Five Smart Moves for Sutherland Shire Property Investors Before June 30
With just over five weeks until the end of the financial year, now is the moment to look under the hood of your investment loan..
For Shire investors, the past twelve months have been a quietly interesting stretch. Rental yields across Cronulla, Caringbah and Miranda have held firm, vacancy rates remain tight, and refinancing windows have opened up as lenders compete harder for quality borrowers. That makes the run-up to June 30 a genuine opportunity, not just an admin task.
Here are five things worth doing before the books close.
1. Run a loan health check
When did you last review your investment loan? If the answer is "sometime before the last few RBA moves," it's time. A 0.30% saving on a $750,000 loan is more than $2,200 a year back in your pocket - and at this end of the financial year, lender retention teams are unusually motivated to keep good borrowers on the books. We can pull comparison rates across the panel in an afternoon.
2. Make sure your loan structure still fits
Are you on interest-only or principal-and-interest? Offset or no offset? Cross-collateralised with your home, or stand-alone? These decisions made sense when you signed - they may not now. As a portfolio grows, the structure needs to grow with it. EOFY is a natural prompt to ask the question rather than carry the wrong setup into another year.
3. Get a depreciation schedule (if you haven't already)
If your investment property was built after 1987 - which covers a lot of the newer Kirrawee, Sylvania Waters and Sutherland stock - a quantity surveyor's depreciation report can unlock thousands in deductions you may currently be missing. The cost of the report is itself tax-deductible, so the maths usually stacks up in year one.
4. Consider prepaying interest
For investors with the capacity, prepaying up to 12 months of interest before June 30 can shift the deduction into this financial year. It isn't for everyone, but if you've had a strong income year and want to smooth the tax outcome, it's worth a conversation with your accountant. We can model what it would look like against your current loan.
5. Tidy the paperwork now, not in October
Loan statements, interest summaries, rates notices, depreciation reports, property manager statements - have them in one folder before your accountant asks. The smoother the lodgement, the faster the refund (and the lower the fee).
A quick word on what this is, and isn't
We're mortgage brokers, not accountants or tax agents. The points above are general in nature - any tax decision should sit with your accountant, and any loan decision in consultation with us. Where those two conversations meet is where most investors quietly leave money on the table each year.
Let's get ahead of June 30
If you'd like a free loan health check before EOFY, get in touch with the Sutherland Mortgage Group team. We're local, we know the Shire market, and we'll tell you straight whether your current loan is still earning its keep.
Book a 15-minute review with our team today - and walk into tax time a step ahead.
