I want an investment property
Making the numbers work on the next one.
An investment purchase is judged on arithmetic, not on how the kitchen feels. We look at the yield, the servicing, and the way the lending is structured, so the property earns its place in your portfolio rather than quietly draining it.
Talk to an Adviser
How an investment purchase runs
-
01
Position review
What your current lending and equity will support, before you start looking at listings or talking to agents.
-
02
Structure
How the loan is split and held, decided alongside your accountant rather than after the fact.
-
03
Servicing test
We model how each lender treats the rental income, because the same property passes at one bank and fails at another.
-
04
Purchase and beyond
Settlement handled, then a review point set for when the next one becomes possible.
How an investment purchase comes together
- Current loan balances, rates and fixed expiry dates
- A recent rates notice and rental appraisal
- Two years of personal income
- Any existing rental income and its history
- Who will own it: personally, a trust, or a company
The second property is not a bigger version of the first. It is a different conversation, and the structure you set now decides whether there is a third.
Investment Property, answered
Usually enough to cover a deposit of at least thirty percent plus costs. The exact percentage varies with the bank, your criteria and the type of property you want to buy.
No. Most apply a haircut of twenty to twenty-five percent to allow for vacancy and costs, and some are far more conservative than others.
That is an accounting and legal question as much as a lending one. We will tell you how each structure affects borrowing power and let your accountant lead on the rest.
Often yes. A top-up against your existing lender leaves the loans you are happy with completely undisturbed.
