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.
Category: Investment finance
Plain-English guides on borrowing capacity, serviceability buffers, LVR, and investment loan structures.
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.