Investing in property

Whether it’s your first investment or your next, we read your borrowing capacity and your tax position together, so you move with the full picture.

Is this right for you?

Who we help buy an investment property

You don't know your real borrowing capacity

What you can borrow for an investment differs from your own home, and we work it out properly

You're buying your first investment or your next one

First-timer or buying again, the structure and the numbers need to be right

You're unsure how the new tax rules affect you

Negative gearing and CGT settings are changing. Timing and property type now matter

You want to use the equity you've already built

Equity in your home or another property can often fund the next purchase

You want it read as one picture, not in pieces

We look at your lending and your tax position together, so nothing gets missed

How It Works

A simple, compliant process to manage your taxes with confidence

Work Out Your Position

We review your income, equity, and borrowing capacity to set a realistic investment budget

Read The Tax Picture

We look at how the current and announced rules apply to your situation before you commit

Structure And Arrange The Loan

We compare lenders, set up the right loan and ownership structure, and get you pre-approved

Buy And Settle

We guide you through the purchase and work with your conveyancer through to settlement

Frequently Asked Questions

How much can I borrow for an investment property?

Your borrowing capacity for an investment differs from your own home. Lenders look at your income, existing debts, the expected rent, and your deposit or available equity. They also apply their own buffers, so the figure is usually more conservative than an online calculator suggests. We assess your real position across our lender panel and give you a clear investment budget before you start looking, so you’re not guessing.

What are the negative gearing changes and do they affect me?

The Federal Government announced changes to negative gearing in the May 2026 Budget. According to the ATO, from 1 July 2027 negative gearing for residential property would be limited to new builds, and residential properties held before 7:30pm on 12 May 2026 are grandfathered under the current rules. This is announced but not yet law. Whether it affects you depends on when you buy and whether the property is established or a new build. We read your situation against the current and announced rules before you commit.

Is it still worth investing in property with the new rules?

Property can still suit the right investor, but the decision is more nuanced than it used to be. The announced changes mean property type and timing now carry real weight, and cashflow matters more where rental losses can no longer offset other income on established homes. There’s no single answer, and we don’t pretend there is. We help you understand your borrowing position and how the rules apply, so you can make the call with the full picture rather than a headline.

Can I use the equity in my home to buy an investment?

Often, yes. Equity you’ve built in your own home or another property can frequently go toward an investment purchase, either as the deposit or to strengthen your position. How much is usable depends on your current loans, the property values, and lender requirements, so it’s usually less than the equity on paper. We calculate what’s genuinely available and build it into your plan.

Does negative gearing still help my borrowing power?

This is changing. Some lenders have historically factored expected negative gearing tax savings into serviceability, which lifted borrowing power. With the announced changes, lenders are reassessing how they treat this, particularly for established properties. It varies between lenders. We know how the panel is approaching it and factor the real position into your borrowing capacity, rather than relying on an assumption that may no longer hold.

THINKING ABOUT YOUR NEXT INVESTMENT?

Have a conversation with us. We’ll tell you clearly where you stand