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The amount of loan secured on a property or used to help finance its purchase has absolutely no influence on the calculation of the capital gain when a property is sold. Why would it? The loan may have been used to buy the property but that is simply how the purchase was financed. The gain is calculated by taking the net of selling expenses sale proceeds and deducting from that the cost of buying the property (which may have been financed through a mortgage), the cost of capital improvements and the expenses of sale. If it was possible to avoid CGT by simply borrowing the equity, everybody would be doing it.
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