Investing
12 articles.
How to Buy Your First Investment Property: A Step-by-Step Guide
A practical guide to buying your first investment property in 2026: deposit, loan structure, cash flow, tax changes and choosing where to buy.
Interest-Only or Principal and Interest for Investors?
Should your investment loan be interest-only or principal and interest? We compare cash flow, total cost, rates and tax, with 2026 examples.
Using Equity in Your Home to Buy an Investment Property
How to use the equity in your home to fund an investment property deposit, how much you can access, and how to structure the loans to keep things clean for tax.
Rental Yield vs Capital Growth: Which Should Investors Prioritise?
Should you buy for rental yield or capital growth? How to calculate gross and net yield, the trade-offs, and why the 2027 tax changes shift the balance.
Why Investment Loan Rates Are Higher Than Owner-Occupier Rates
Investor home loan rates are usually higher than owner-occupier rates. Here's why, how big the gap is, and how to get the sharpest investment rate.
Positive vs Negative Gearing Explained for Australian Investors
What positive, neutral and negative gearing mean, how each affects your cash flow and tax, and how the 2027 changes affect investors buying now.
Cross-Collateralisation: Why Investors Should Usually Avoid It
Cross-collateralisation ties several properties to your loans with one lender. How it works, the risks when you sell or refinance, and the better alternative.
Building a Property Portfolio: How Lenders Limit Your Next Purchase
What stops investors buying their next property: serviceability, DTI limits, lender caps and structure. How to plan your lending as your portfolio grows.
Investment Property Tax Deductions: What You Can and Can't Claim
A plain-English guide to investment property deductions: interest, repairs, depreciation, borrowing costs, and the items investors often get wrong.
Financing a Granny Flat or Dual Occupancy in NSW
How to finance a granny flat or dual occupancy in NSW: construction loans, equity, how lenders value secondary dwellings, and rental income for serviceability.
Buying Property in a Trust: What Lenders Look For
Buying an investment property through a family trust? How lenders assess trust loans, the documents needed, guarantees, and the costs to consider.
Financing a Holiday Home or Short-Stay Rental on the South Coast
Buying a holiday house or Airbnb on the NSW South Coast? How lenders assess holiday homes, short-stay rental income, NSW short-term rental rules and insurance.
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