Buying property for investment
Use your equity, compare investment loan options across 35+ lenders, and structure your loan to fit your plans. Your Sydney investment property mortgage broker, helping you buy anywhere in Australia.
We compare investment loan options across 35+ lenders, work out what you can borrow, and structure the loan to fit your plans. Our service costs you $0, and we help Sydney clients buy anywhere in Australia.
You may not need a cash deposit at all. If you own your home, your equity can cover it. We work out what you can access and help you apply for pre-approval.
Negative gearing and capital gains tax have both changed, and the detail matters when choosing what to buy. We cover that below, and your accountant can confirm your position.
Most lenders want a 20% deposit to avoid LMI, though you can use your home equity instead of cash. Here is a guide to the deposit and stamp duty at different price points in NSW.
| Purchase price | 20% deposit | Stamp duty | Deposit + duty |
|---|---|---|---|
| $600,000 | $120,000 | $21,187 | $141,187 |
| $700,000 | $140,000 | $25,687 | $165,687 |
| $800,000 | $160,000 | $30,187 | $190,187 |
| $900,000 | $180,000 | $34,687 | $214,687 |
| $1,000,000 | $200,000 | $39,187 | $239,187 |
| $1,200,000 | $240,000 | $48,187 | $288,187 |
| $1,500,000 | $300,000 | $63,787 | $363,787 |
Based on NSW transfer duty rates for the 2026/27 financial year for investors, where first home concessions do not apply. Rates change each 1 July. Legal, inspection and lender costs are on top. You can use equity instead of a cash deposit. Use our property deposit calculator or book a free consultation.
It comes down to your income, your debts, and the rent the property will earn. Most lenders count 70% to 80% of market rent, and every lender does the sums differently, so the gap between them can be wide.
Lenders also test you above the actual rate. Some apply that buffer more generously than others, and knowing how each lender assesses investors is a big part of what we do.
Investors pay full stamp duty, since first home concessions do not apply. The upside is your equity can usually cover the deposit and the costs, so your savings stay put.
Say your home is worth $900,000 and you owe $500,000. Most lenders let you borrow to 80% of the value, which is $720,000. Take off the $500,000 you owe and $220,000 is the equity you could use towards the deposit and costs on an investment property.
You do not always need the full 20%. Some lenders will go to 90% on an investment property with lenders mortgage insurance, and some lenders extend their professional LMI waivers to investment purchases, often at a lower LVR than for a home you live in. We model the equity route and the LMI route side by side so you can see both.
Every investor is different. Here are the paths our clients use most.
The rules changed in 2026 and the new measures are now law, starting 1 July 2027. Here is a plain-English summary. It is general information, so please confirm the detail with your accountant.
From 1 July 2027, negative gearing against your salary or other income ends for established homes bought after 7:30pm on 12 May 2026. New builds stay exempt and keep the benefit. If you already held a property before that cut-off, or had exchanged contracts and were waiting to settle, you are grandfathered under the old rules until you sell. Losses on affected properties can still be carried forward against future rental income or rental capital gains.
The 50% CGT discount is being replaced from 1 July 2027 with a system that indexes your cost base for inflation and applies a 30% minimum tax on the gain. Gains that build up before 1 July 2027 keep the old 50% discount, even if you sell later. Your main residence stays exempt, and super funds are not affected.
These are big changes, and how they land depends on your situation, in particular whether you are buying a new build or an established home. We structure your loan with them in mind and work in with your accountant on the tax side.
Our founder spent 10+ years in lending, including inside a major bank. He knows how each lender assesses investors.
Real answers to the questions property investors ask us every day.
We compare 35+ lenders, structure your loan to fit your plans, and show you your real borrowing power. $0 cost to you.
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Investment property mortgage broker in Sydney helping investors across 220+ suburbs buy anywhere in Australia. Meet our team. Service regions: Sydney CBD, Sydney Central, Eastern Suburbs, Northern Beaches, North Shore, Inner West, Sutherland Shire, Hills District, St George, Canterbury-Bankstown, Western Sydney, Penrith.
