Property Investing
How Does a Split Loan Strategy Work for a Property Investment Portfolio?
A split loan divides one facility into fixed, variable, IO or P&I portions. How portfolio investors use splits, what they cost, and the factors to weigh.
Guides & explainers
Page 6 of 8.
Property Investing
How do I set up a stand-alone investment loan to protect my home?
A stand-alone loan is secured only by the investment property, not your home. How cross-collateralisation works, and the trade-offs of separating loans.
Property Investing
What is cross-collateralisation and why do mortgage brokers advise against it?
Cross-collateralisation links two or more properties as one loan's security. Here's what it means, when it's used, and why brokers often flag the risks.
Property Investing
How Is Rental Income From an Investment Property Factored Into My Borrowing Power?
Lenders don't count 100% of expected rent. Here's the rental income shading, HEM benchmarks and rate buffer that shape your borrowing power.
Property Investing
How Do Banks Calculate My Borrowing Capacity for an Investment Loan?
Lenders combine shaded rental income, a 3+ point rate buffer and benchmarked expenses to test investment-loan serviceability. The verified framework.
Property Investing
Should I choose an interest-only or principal and interest loan for investment?
Interest-only lowers investment loan repayments now but doesn't reduce your balance. How it compares with principal and interest, and what changes later.
Property Investing
Are Investor Interest Rates Higher Than Owner-Occupier Rates in Australia?
Yes — RBA data shows investor home loan rates run about 0.2 percentage points above owner-occupier rates, on average. Here's the gap and why it exists.
Property Investing
What Is the Minimum Deposit Required for an Investment Property Loan in Australia?
There's no legislated minimum deposit for an investment property loan. Here's how LVR, LMI and lender policy set the amount you need.
Property Investing
How Is Equity Calculated in a Residential Property, and How Do I Access It?
How equity in a residential property is worked out, what limits how much you can borrow against it, and the main ways investors access it.
Property Investing
Can I Use the Equity in My Own Home as a Deposit for an Investment Property?
Yes, many lenders let you use equity in your home toward an investment property deposit. How usable equity, LVR and the risks actually work.
Property Investing
How Do I Finance My First Investment Property in Australia?
Deposits, LVR and LMI, loan serviceability, loan structures, negative gearing and ownership options for financing a first investment property.
Property Investing
What Is the Difference Between an Owner-Occupier and an Investor Mindset in Real Estate?
An owner-occupier buys a home to live in; an investor buys for cash flow, tax and exit strategy. How the two mindsets differ, in five practical areas.