562 | CGT for Couples EXPOSED: The Six-Year Rule, First-Home Myths & Victoria’s Rental Crackdown

We’ve got a cracking Listener Q&A episode for you today, and trust us…   

These are questions you need to know the answers to! 🚨 

👩‍❤️‍👨 Can married couples really claim TWO main residence exemptions for Capital Gains Tax? Or is this a classic case of “you can’t have your cake and eat it too”? We break down the six-year rule and reveal what the ATO will (and won’t) let you get away with. 

🏡 First Home Buyer incentives: Think your partner can still snag the perks just because they’ve never bought before? Think again! We’re busting the biggest myth about the “spouse test” that catches so many people out. 

🔍 Victoria’s rental crackdown: A new task force, surprise inspections, and even a whistle-blower website where tenants can dob you in 😳 Landlords, the rules of the game have changed. Here’s what you need to do to stay compliant (and out of trouble). 

This episode is packed with the traps, tips, and takeaways every Aussie needs – tune in now! 

Resources Mentioned 

• 🌞 Summer Series 2026: We Want YOUR Story! 🏝️☀️ 
• This Summer, we’re flipping the script. Not just the wins, but the lessons. Not just the highlights, but the hurdles. Have you had a silver bullet strategy that backfired or a game-changing moment that set you on the right path? We want to hear it! 🎤 👉 Share your story and be part of our 2026 Summer Series! 
   
• See Your Whole Property Story in One Place! 
• Moorr’s MyPROPERTY Portfolio View is designed specifically for property investors giving you clarity, confidence, and control over your portfolio.
  💡 Best of all? It’s completely free to use.
  👉 Start tracking your portfolio today inside Moorr. 
• Warren Buffett Speaks: Wit and Wisdom from the World's Greatest Investor 
  Get the book from Bryce’s Mindset Minute!  
• Australian Bureau of Statistics’ June Quarter 2025 Data from Ben’s “What’s Making Property News.” 

LISTEN TO THE FIRST 20 EPISODES HERE >>

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Chapters

• 0:00 562 | CGT for Couples EXPOSED: The Six-Year Rule, First-Home Myths & Victoria’s Rental Crackdown
• 1:18 Spring vibes + Moorr shoutout: MyPROPERTY Portfolio View 🌸
• 3:30 Mindset Minute: Warren Buffett’s “seven footer” rule
• 6:51 Q1: Amanda on CGT for married couples with separate properties
• 6:51 Q1: Amanda on CGT for married couples with separate properties
• 8:12 – The main residence exemption & why couples are one tax unit
• 9:59 The six-year rule explained + why you can’t double-dip 🍰
• 12:20 Self-assessment, audits & why tailored tax advice matters
• 14:00 Timing tricks: offset accounts & CGT due dates
• 16:38 Q2: Giovanni on First Home Buyer incentives eligibility
• 18:24 The “spouse test” explained (and why it trips people up)
• 20:41 State-by-state quirks & the importance of fine print
• 25:13 The common misconception: why couples miss out on incentives
• 27:17 Q3: Amber on Victoria’s rental compliance audit
• 28:40 Taskforce, inspectors & whistle-blower websites 🚨
• 30:38 Property managers, compliance audits & who carries the risk
• 32:24 What happens if you do nothing: fines & rectification orders
• 33:51 Compliance culture & why good landlords shouldn’t fear the crackdown
• 37:40 Life By Design Hack: Teach your kids “safe adults don’t ask kids for help”
• 41:44 – What’s Making Property News: Investor lending surges & why politics may tighten the rules again
• 45:23 Thanks Amanda, Giovanni & Amber + Speakpipe reminder! 🎙️