June 22, 2026
Buying Property in a Trust or Company: What Investors Need to Know
Buying an investment property in a trust or company structure can offer tax flexibility and asset protection that individual ownership does not provide. It can also mean fewer lenders willing to consider your application, stricter assessment criteria, and higher ongoing costs. Understanding how each structure works, and what it means for your borrowing capacity, is […]
June 15, 2026
Principal and Interest vs Interest-Only: What Changes Over Time
Many property investors choose interest-only loans for the cash flow advantage without fully understanding what happens to the loan balance over time. The monthly repayment is lower, which is accurate. What the repayment schedule doesn’t make obvious is that the loan balance stays exactly where it started until the interest-only period ends, at which point […]
June 5, 2026
How to Structure Loans Across Multiple Investment Properties
The way you structure loans across multiple investment properties can determine whether your portfolio grows or stalls. Get it wrong early and you may find yourself locked into a setup that limits future borrowing, complicates your tax position, and gives lenders far more control over your assets than you would ever choose. Why loan structure […]
June 3, 2026
How Borrowing Capacity Is Calculated Differently for Property Investors
When you apply for an investment loan, lenders run a different set of calculations than they do for an owner-occupier purchase. Rental income is only partially counted, existing debt across your portfolio weighs heavily, and serviceability buffers apply to every loan you hold. The gap between what investors expect to borrow and what lenders will […]
May 20, 2026
Negative Gearing Explained in Plain English
20 May 2026 | How negative gearing works in Australia, what's deductible, the capital growth assumption, and who it suits.
May 14, 2026
Interest-Only Loans for Property Investors: Pros, Cons and the Catch
14 May 2026 | How interest-only investment loans work, what happens when the period ends, and how lenders actually assess them.
May 1, 2026
Using Equity in Your Home to Buy an Investment Property
01 May 2026 | How home equity works as a pathway to property investment — and what lenders actually assess before they'll let you use it.
October 8, 2025
Negative Gearing Explained: How It Works in Property Investment
Negative gearing is one of those terms you hear a lot in property circles and on the news. Put simply: negative gearing happens when the costs of owning an investment property – most commonly the interest on the loan – are greater than the rental income you receive.
October 8, 2025
Financial Tools to Support Your Property Journey (Insurance, Income Protection & More)
Buying property is often the biggest financial commitment many Australians ever make. While finding the right home loan is central, there’s more to the property journey than just your mortgage. Financial tools like insurance and income protection can act as guardrails: they help you stay on track if