How to use home equity to buy an investment property in Australia: calculate usable equity (80% rule), separate loan splits, avoid cross-collateralisation, and ATO rules.
All Articles & Research
Interest-Only vs Principal and Interest for Australian Property Investors: Complete Comparison
Interest-only vs P&I loans for Australian property investors: compare monthly cash flows, tax deductibility, interest rate premiums, and IO expiry risks.
LVR and LMI Explained for Property Investors: 80% Thresholds and Capital Efficiency
Understand Loan-to-Value Ratios (LVR) and Lenders Mortgage Insurance (LMI) for Australian investors: 80% thresholds, LMI premium scales, and tax deductibility.
The APRA Serviceability Buffer Explained: How the 3% Assessment Test Impacts Borrowing
How APRA’s 3% serviceability buffer works in Australia: why banks test mortgage repayments at 9%+, historical evolution, and impact on investor borrowing power.
How Serviceability is Assessed for Investment Property Loans in Australia
How lenders assess investment property loan serviceability in Australia: rental income shading, APRA 3% test buffer, HEM living expenses, and credit card limits.
Questions to Ask a Buyers Agent Before Signing an Exclusive Agreement in Australia
The complete interview checklist: questions to ask an Australian buyers agent before signing. Verify licensing, fees, conflicts of interest, and track record.
Buyers Agent Conflicts of Interest: How to Spot Developer Rebates and Secret Commissions
Learn how to spot buyers agent conflicts of interest in Australia. Avoid developer kickbacks, secret commissions, and ensure 100% independent representation.
Buyers Agent Licensing by State: Requirements Across NSW, VIC, QLD, WA & SA
State-by-state guide to Australian buyers agent licensing: NSW, VIC, QLD, WA, and SA. How to verify credentials, check public registers, and avoid legal risks.
Buyers Agent Fees Explained: Fixed Fee vs Percentage Commission in Australia
Understand Australian buyers agent fees: compare flat fees vs percentage commissions (1.5-2.5%), engagement retainers, and ATO CGT cost base rules.
What a Buyers Agent Does: Step-by-Step Property Acquisition Process in Australia
Explore what an Australian buyers agent does step-by-step: search briefs, off-market access, comparative pricing, due diligence, and auction bidding.