April 27, 2026
Separate loans keep each property independent — cross-collateralisation ties them together in ways that limit flexibility later. Here's how both structures work and what to consider.
Read More →April 26, 2026
Home equity can be used as a deposit for an investment property — here's how usable equity is calculated, how it's accessed, and why keeping loans separate matters.
Read More →April 25, 2026
Interest-only keeps repayments lower in the short term; P&I builds equity and typically attracts a lower rate. Here's how both structures work and what lenders require to approve each.
Read More →April 24, 2026
Lenders don't count rental income at face value — they shade it by 20–30%. The percentage varies by lender and can mean $50,000–$100,000 difference in approved borrowing capacity.
Read More →April 23, 2026
Rising rates have changed the cashflow position of most investment properties in 2026. Here's what's shifted, how lenders assess investment loans now, and what factors investors typically consider.
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