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Guides & resources
Plain-English articles to help you make confident finance decisions.
Trust and company property lending — how the finance works
A general guide to borrowing for property held in a discretionary/unit trust or company — serviceability, guarantees and lender appetite. Not legal or tax advice.
Read guideSMSF property loans (LRBAs) — how the lending works
A general, factual guide to how a self-managed super fund borrows to buy property using a Limited Recourse Borrowing Arrangement. Not financial or tax advice.
Read guideNegative gearing and new builds — what the 2027 changes could mean
A plain-English, general guide to how negative gearing works, the proposed 2027 changes, and why new builds are in focus for investors. Not tax advice.
Read guideBuying your first investment property
A beginner's guide to financing your first investment property — deposit, loan structure, costs and cash-flow. General information, not financial or tax advice.
Read guideHow to build a property portfolio (beyond 1–2 properties)
A general guide to scaling a property portfolio with equity and loan structure — and why most investors stall at 1–2 properties. Not financial or tax advice.
Read guideUsing equity to buy your second investment property
How usable equity works and how investors use it to fund the deposit on their next property. General information, not financial or tax advice.
Read guideRentvesting — renting where you live, investing where it works
What rentvesting is, how the finance works, and the trade-offs to weigh. General information, not financial or tax advice.
Read guideLRBAs and bare trusts explained
A plain-English, factual explainer of how a Limited Recourse Borrowing Arrangement and bare (holding) trust work for SMSF property. Not financial or legal advice.
Read guideFamily (discretionary) trust home loans
How lending works for property held in a discretionary family trust — guarantees, serviceability and lender choice. General information, not legal or tax advice.
Read guideWhat counts as a "new build" for property investors?
A general explainer on what's typically considered a new build, off-the-plan and house-and-land, and why it matters for investors. Not tax or legal advice.
Read guideWhy your borrowing capacity stalls (the serviceability ceiling)
Why investors hit a borrowing-capacity wall after a few properties, and the levers that can help. General information, not financial advice.
Read guideInterest-only vs principal & interest for investors
The trade-offs between interest-only and principal & interest repayments for investment loans. General information, not financial or tax advice.
Read guideBorrowing for property in a company vs your personal name
How borrowing in a company differs from buying in your own name — serviceability, guarantees and lender appetite. General information, not legal or tax advice.
Read guideInvestment loan vs home loan — what's the difference?
How investment loans differ from owner-occupier home loans on rates, deposits and assessment. General information, not financial or tax advice.
Read guideHow much can an SMSF borrow to buy property?
A general guide to the factors that drive SMSF borrowing capacity — deposit, liquidity, rent and serviceability. Not financial or tax advice.
Read guideCross-collateralisation vs standalone loans
What cross-collateralisation means, its pros and cons for investors, and why structure matters as you grow a portfolio. General information only.
Read guideWhat your mortgage broker can (and can't) tell you about SMSF property
Where credit assistance ends and licensed financial/tax advice begins for SMSF property — and who handles each part. Not financial or tax advice.
Read guideHow house-and-land and construction finance works for investors
A general guide to financing a new-build investment — construction loans, progress payments, valuations and timing. Not tax or financial advice.
Read guideThe first home buyer's guide to getting started
A plain-English walkthrough of deposits, grants, costs and the steps to buying your first home in Australia.
Read guideHow much can I borrow? What lenders actually look at
Understand the factors that drive your borrowing power — income, expenses, debts and buffers — and how to improve it.
Read guideShould I refinance? A simple checklist
When refinancing makes sense, what it costs, and how to work out whether switching your home loan is worth it.
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