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Answers on the new CGT rules, how our valuer panel works, and what to expect - all in one place.
CGT rules
The Budget 2026 changes and what they mean for your gain.
From 1 July 2027, the government replaced the 50% CGT discount with a new system. Your property gain is split into two eras - before and after 1 July 2027. Gains before that date still get the old 50% discount. Gains after are taxed under new rules using CPI indexation. A certified valuation sets the split point between the two eras.
The ATO needs to know what your property was worth on 1 July 2027 to split your gain correctly. A certified valuation from a registered valuer is the document that sets that split point - locking in as much of your gain as possible in the 50% discount era. Without it, the ATO uses its own apportionment formula, which may not work in your favour.
If you don't have a certified valuation, the ATO calculates your 1 July 2027 split value using a formula that assumes your property grew evenly across every year you owned it - a straight-line average from purchase to sale. In reality, most properties grew faster before 2027. The formula often understates your pre-2027 value, pushing more of your gain into the higher-taxed era.
You will be locked into the ATO apportionment formula with no ability to compare. You lose the opportunity to choose the option that saves you more tax - and investors who skip the valuation risk paying tens of thousands more in tax on the same property and same sale price.
A retrospective valuation may be accepted by the ATO in some circumstances if it is conducted by a registered valuer following the correct methodology. However, it will typically produce a lower estimatethan an inspection done at the time - and any uncertainty is resolved in the ATO's favour. We strongly recommend getting your valuation done on or around the date itself. Don't leave it to chance.
The valuation
Valuation types, what qualifies, and what the report includes.
A Desktop Valuation is completed remotely - the valuer uses comparable sales data, council records and property databases without visiting your property. Faster and lower cost. An In-Person valuation involves a registered valuer physically inspecting your property - assessing condition, improvements and location factors that data alone cannot capture. In-Person carries more weight in an ATO audit. We get you quotes for both so you can compare and choose.
No. The ATO requires a valuation from a registered property valuer- not a sales appraisal from a real estate agent. An agent's appraisal is an opinion to help sell a property. It is not a certified legal document and will not satisfy ATO requirements for a CGT split-point valuation.
We recommend an In-Person valuation for CGT purposes - it carries more weight with the ATO and is more defensible in an audit. However, a Desktop Valuation is also ATO approved guidelines and may be sufficient for straightforward residential properties. Review all 3 quotes - 1 desktop and 2 In-Person - and discuss with your accountant before deciding.
Every ATO approved guidelines report includes: valuation date clearly stated· registered valuer's name and registration number · methodology used · comparable sales relied upon · professional opinion of market value · valuer's signature and date of report. This is what makes the report defensible in an ATO audit - an agent's appraisal has none of this.
You are not obligated to use a valuation that doesn't benefit you. Use our technology partner The Property Accountant to compare the certified value against the ATO apportionment formula. If the formula produces a better tax outcome for you - simply use the formula. Getting the valuation gives you the choice. Not getting it removes it.
Our service
How our panel works, timing, and getting started.
Fill in a short form - property address, purchase price, purchase date and property type. Takes 2 minutes. We then approach our panel of registered valuers and return 3 quotes - 1 desktop and 2 In-Person - within 1 business day. No payment required until you approve a quote.
We aim to deliver 3 quotes within 1 business day of receiving your property details. The valuation report itself typically takes 3 to 7 business days after your inspection is confirmed. With demand expected to surge as 1 July 2027 approaches, we strongly recommend getting your quotes early and locking in your inspection date well ahead of the deadline.
Yes. Every valuer on our panel holds current registration with their relevant state authority - API (Australian Property Institute) or AIQS equivalent. We verify credentials before onboarding any valuer and review registrations annually. No agents, no automated tools - only certified professionals whose reports the ATO accepts.
We cover all major property types - single dwellings, duplexes, block of units, holiday homes, rooming houses, commercial, development sites and retail & industrial. For ownership structures, we cover individual, joint, company, trust, SMSF and partnership. Not sure if your property or structure qualifies? Get in touch - our panel covers more than what is listed here.
You are under no obligation to accept any quote. If you are not satisfied with the quotes received, contact us and we will work to get you alternative options from our panel. You only pay once you have approved a quote - there is no cost to receive and review the 3 quotes.
Payment
Costs, when you pay, and accepted payment methods.
Getting your 3 quotes is completely free - no payment required to submit your property details or review the quotes we send you.
When do you pay? Only after you have reviewed your 3 quotes and chosen to approve one. No payment is taken until you confirm your preferred valuer.
Who do you pay? Payment is made directly through our platform. We handle the transaction and coordinate with your chosen valuer - you do not need to pay the valuer separately.
What payment methods are accepted? We accept all major credit and debit cards. Payment is processed securely at the point of quote approval.
How much does a valuation cost? Costs vary depending on property type, location and whether you choose a desktop or In-Person valuation. You will see the exact cost for each quote before you approve anything - no hidden fees.
Still have a question?
We're happy to help - or join the waitlist and we'll email you the moment quotes open. Free to join, no obligation.