Finding accurate and up to date information is a huge challenge for property investors.
To help you, we’ve put together a comprehensive list of resources that you can use to educate yourself on investment loans and how to buy an investment property.
How much can I borrow: We’ve created an accurate online calculator that can take negative gearing into account and exactly matches the methods used by several banks.
LMI calculator: Did you know each lender has different LMI premiums? Find out if you are eligible for discounted or waived LMI.
Credit score calculator: Are you a high risk borrower? Find out how the banks will view your situation.
Postcode location guide: Are you buying a property in a high risk area? Find out how the banks will assess your next investment property.
More calculators: Using our mortgage calculators will help you to make an informed investment decision.
Basic mortgage concepts
Interest rates: What are the current investment loan rates on offer?
What does LVR mean?: Find out how LVR can affect your loan application.
What are genuine savings?: What are genuine savings so important to your loan application?
What is LMI?: What is LMI, how much is it and who has to pay it?
What is credit scoring?: What is your credit score and why does it matter for your mortgage application?
Free bank valuations: Did you know some banks allow us to complete a valuation before you even submit your loan?
Advanced loan types
No deposit investment loans: How can you borrow 100% to buy an investment property?
Improving your borrowing power: How can you get the banks to lend you enough to buy more properties now?
High net worth customers: If you have a large property portfolio, learn how you can get better interest rates and services.
Borrowing with a trust: How does borrowing money in a trust work? Will this affect your loan application?
Borrowing in an SMSF: How does borrowing in a Self-Managed Super Fund work? How will your loan be different?
Documents & templates
Accountant’s letter: Use these templates if your bank asks for your accountant to write a letter confirming the particulars of your situation.
Employment letter: Some lenders will require a letter from your employer. Use these templates to make sure the letter is accepted.
Rental income letter: Your property manager can write a letter to confirm your rental income.
Statements and transaction history: What is the difference between a statement and a transaction history?
Statutory declaration: Some lenders will require you to confirm certain aspects of your situation with a stat dec.
Discharge form: A database of each lender’s security release form. Use these forms if you sell your property or refinance your mortgage.
Combining credit issues: Why you need to keep your investment strategy simple.
How to value a property: How do bank valuers know what your property is worth? When buying a property you can use the exact same method to make more accurate offers.
Turning your home into an investment: Have you decided to rent out your current home? What do you need to know before you make the move?
How big property investors get into trouble: Did you know that investors with many properties are considered to be high risk borrowers? How can you avoid losing it all?
Which property investment strategy should I choose?: Not all strategies are created equal. Which one is right for you?
Which properties can’t be financed?: Will the banks stop you from buying your next investment property?
Recommended conveyancers: Take the hassle out of your next purchase by using an expert.
Tax for property investors
What is capital gains tax?: Will CGT apply to your investment property? If so then how much will it cost you?
What is negative gearing?: What are negative gearing benefits and how do they work?
Investment property depreciation: How does depreciation work and when will you need a depreciation schedule?
Inheriting a property: What are the tax implications of inheriting real estate in Australia?
Documents for tax: Which documents do you need to provide to your accountant to lodge your tax return?
Jointly-owned property: How does owning a property with another person work?
Offset accounts for investments: Why is it a good idea to have an offset account on an investment loan?
PAYG withholding variation: Can you get your negative gearing benefits now rather than when you lodge your tax return?