POSITIVE GEARING VS NEGATIVE GEARING

By Garreth Collard, Senior Property Accountant | July 29, 2025
Diagram comparing positive gearing (rental income greater than property expenses) and negative gearing (rental income less than property expenses) for NZ property investment, shown as blue and red gear icons either side of a house.

Investing in property can be a lucrative venture, but it’s essential to understand the financial strategies involved. Two terms that frequently arise in property investment discussions are positive gearing and negative gearing. In New Zealand, these concepts play a significant role in how investors manage their real estate portfolios.

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