Investment property loans
IO vs P&I, rentvesting, depreciation context, and portfolio FAQs.
Research hub
Property investing hub
Property investing — calculators, cashflow worksheet, and lender structure
Investment lending is not just “residential plus rent” — servicing uses rental shading, existing portfolio debt, and sometimes cross-collateral traps.
Start with the investment service page and calculators, then use the cashflow worksheet before your next purchase.
Enquire when you have rent, tax, and entity structure context — we price scenarios against real lender credit guides.
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Borrowing capacity lane
Illustrative capacity — not a substitute for investor servicing overlays.
Investing articles
Negative gearing, budget changes, and purchase timing from the Insights index.
Refinance for equity release
When the next deposit comes from equity rather than savings.
Enquire — investor review
Include existing properties, rents, and entity (individual vs trust).
Investor worksheet
Model rent vs repayments before your next purchase
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
Latest from Insights
Automated roll-up of published posts matching Investing categories (newest first).
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.
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.
Rental haircuts, IO cliffs, cross collateral, and sequencing — mistakes that sting on the next purchase more than the first.