Another basic strategy which some may over look. Say you have sold a property that is subject to CGT. Instead of doing your tax return asap, delay it as long as possible so you can keep the money that you have to pay tax on longer. Keep it in the offset account attached to the non deductible home loan. Having $50k in an offset account for 6 months will result in about $1200 saved on non deductible interest. Not much but every little bit helps and this is 2 weeks after tax salary for some people. The 6 months may even be stretched out further in some cases. If you delay a sale until 01 July (exchange of contracts) then you may even be able to add on another year’s worth of interest. Unfortunately an individual cannot borrow to pay tax and claim the interest.