Australia-wide home lending · Speak directly with Bishnu Adhikari
Insights topic
Rentvesting, negative gearing, IO vs P&I, and portfolio structure.
Written and reviewed by Bishnu Adhikari. General information only — responsible lending applies and approval is never guaranteed.
Investing
The Budget CGT change uses your property’s value at 1 July 2027 to split old and new tax treatment when you eventually sell. You are not legally forced to get a valuation this week. Here is what Treasury said, the two methods, and what to do — and not do — before then.
19 Aug 2026 · 13 min
Investing
From 10 August 2026, new SMSF limited recourse borrowing arrangements used to acquire real property may only finance business real property. Ordinary residential LRBAs are closed for new deals. Here is the complete sourced map: Labor–Greens deal, Act No. 49 of 2026, ATO QC107811, grandfathering, same-asset refinance, and what trustees should do next.
10 Aug 2026 · 21 min
Investing
Why interest-only investment loans step up 20–40% when they revert to principal-and-interest, how to see the cliff on your own deal, and the structural options to discuss with a broker and accountant before it hits.
14 July 2026 · 8 min
Investing
What an Australian investment-property cash-flow calculator should show — purchase costs, three cash-flow views, negative gearing treatment, stress tests and ten-year maths — plus a free tool that does the work without pretending to be tax or credit advice.
14 July 2026 · 11 min
Investing
A plain-English explanation of restricted negative gearing rules as modelled in 2026 — what "quarantined" means, how carried-forward losses work, and why a smart cash-flow calculator never counts them as cash received.
14 July 2026 · 8 min
Investing
On 23 June 2026 Labor and the Greens struck a Senate deal that led to Schedule 5 of the Treasury Laws Amendment (Tax Reform No. 1) Act 2026. New ordinary residential LRBAs closed from commencement on 10 August 2026. Existing loans and pre-commencement contracts are protected; commercial business real property LRBAs remain open.
23 June 2026 · 13 min
Investing
With 30 June days away, some lenders let individual property investors prepay up to 12 months of investment loan interest and claim it in 2025–26 — under the ATO’s 12-month rule. Here is how it works, the worked maths at common marginal rates, offset vs prepay traps, lender timing, and when a broker should say pause.
21 June 2026 · 18 min
Investing
You model $650 a week in rent. The bank might only count $487. Here is how rent shading works, why portfolio investors hit walls on purchase two, and how to stress-test before you lodge.
15 June 2026 · 11 min
Investing
Buying property inside your self-managed super fund is not a normal home loan with a different label. Limited-recourse borrowing (LRBA), liquidity buffers, contribution caps, and trustee compliance sit on top of rate shopping — here is the plain-English map before you speak to an SMSF specialist. Updated for the 10 August 2026 residential LRBA restriction (commencement of Act No. 49 of 2026).
11 June 2026 · 12 min
Investing
APRA’s DTI settings can approve your investor loan on paper yet cap the amount, price point, or lender set. Here is how “yes, but…” shows up and what to fix before you exchange.
29 May 2026 · 9 min
Investing
The instinct, after Budget night, is to rush. The honest broker's answer is that the transition window is real, but the headline benefits are smaller than they look — and your decision should still be made on the asset, not the calendar. Here is the working-through, with worked numbers, the post-Budget clarifications, and a clean decision tree.
13 May 2026 · 17 min
Investing
At 7:30pm on Tuesday 12 May 2026 the Treasurer announced the most significant rewrite of Australia's property-investor tax rules since 1999. The detail matters: existing investors are fully grandfathered, new builds emerge as the most tax-advantaged shape, and a 14-month transition window changes the calculus for anyone signing a contract between now and 1 July 2027. Here is the calm, broker-grade walk-through with verified references and a clean decision tree.
12 May 2026 · 16 min
Investing
Rental haircuts, IO cliffs, cross collateral, and sequencing — mistakes that sting on the next purchase more than the first.
4 Apr 2026 · 8 min
Bishnu Adhikari
Mortgage broker, Azure Home Loans — Credit Representative ACR 538895, auth. under ACL 390261, authorised under Yellow Brick Road.
You deal with the same broker from first enquiry through to settlement. These guides are written from files we have actually worked on, not repackaged lender marketing.
Investment lending turns on servicing more often than deposit. Rental income is shaded, the full repayment counts as a commitment, and portfolios usually hit a servicing wall before they run out of equity.
As a credit assistance provider we are required to make reasonable enquiries about your financial situation, requirements and objectives, and to verify them, before suggesting a loan. If a loan would be unsuitable for you, we have to say so. Nothing on this page is a credit approval, a pre-approval, or an offer of finance, and no outcome is guaranteed — approval is always the lender's decision.
Articles here are general information and do not take your circumstances into account. When you want numbers checked against current lender policy, speak to a broker — or call 0400 77 77 55.
Free download
Practical PDF for property investing — general information only, not personal advice.
Investor worksheet
Illustrative cashflow only — tax and depreciation are not included. Enter your numbers, then download a PDF to discuss with your accountant or broker.
Illustrative monthly cashflow: $-358/mo
Compliance-aware answers for common borrower questions in this lane.
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