Investment property loans, structured properly.
The 2026 tax reform made loan structure matter more than ever: what you buy (new vs established), how you borrow, and where your offset sits now drive real dollars. We arrange investor lending across 40+ lenders, first property to portfolio, built around the legislated 2027 rules.
Structure used to be nice-to-have. Now it's the strategy.
From 1 July 2027, rental losses on established properties bought after 12 May 2026 stop offsetting your wages, while new builds keep full negative gearing and get a CGT choice. Same budget, different property type, materially different after-tax outcome.
Still valid, but model the quarantined losses honestly. Our tax calculator shows your saving before and after 1 July 2027.
Negative gearing continues, plus new-build depreciation. Why new builds became the tax-favoured path.
Rent where you live, buy where the numbers work. The full trade-offs here.
Grandfathered properties keep the old rules, but rate reviews and equity strategy still pay. See the full reform guide.
Lending built around your strategy, not a product push.
We work through servicing with realistic rental shading, interest-only vs principal-and-interest, offset placement (usually against your own home first), equity release that keeps deductibility clean, and which of 40+ lenders' investor policies actually fits your income and portfolio. Then one application, prepared properly.
We handle the credit side and work alongside your accountant on the tax side: general information from us, personal tax advice from them, and a structure that holds up in both worlds.
Investor lending, without the seminar-speak.
How much deposit do I need for an investment property?
Typically 10-20% plus purchase costs. Many investors don't use cash at all; equity in an existing home, released properly, can cover the deposit. Keeping the release structured cleanly matters for tax, so we coordinate with your accountant.
Do lenders count my rental income?
Yes, but shaded. Most count around 80% of expected rent toward servicing, to allow for vacancies and costs. Strata fees and land tax also come off. That shading is why an investment purchase can service differently to the same-priced home you'd live in.
Should my investment loan be interest-only?
Interest-only is common for investors; it maximises cash flow and keeps repayments deductible while your money works elsewhere (like an offset against your own home). But IO periods end, rates are slightly higher, and it suits some strategies and not others. We model both before you choose.
Can I still negatively gear an investment property?
Under the now-legislated rules: yes if you owned or contracted before 7:30pm 12 May 2026 (grandfathered), and yes for newly built homes and build-to-rent. For established properties bought after 12 May 2026, rental losses stop offsetting your wages from 1 July 2027; they carry forward against rental income or the future capital gain. This is now a structural decision in every purchase we help with.
How do I use equity from my home for the deposit?
Usually via a separate loan split against your existing property, keeping the investment borrowing clean and traceable for tax purposes. Mixing it into your home loan redraw is the classic mistake; it muddies deductibility. Structure first, then buy.
Planning a purchase under the new rules?
One free chat: your borrowing power with rental shading, the 2027 numbers on what you are considering, and the structure that fits. English, Nepali or Hindi.