Question 1

How much deposit do I need for a rental?

Accepted Answer

For most banks, 35–40% deposit (or equivalent equity from your existing home) on standard residential investment lending. There are paths in which you may qualify for a smaller deposit — for example, new builds or changes to a lender's policy and appetite. We know which lenders are friendlier at the time.

Question 2

Can I use equity in my own home as the deposit?

Accepted Answer

Yes, and most investors do. We work out your usable equity (current value × 80% minus what you owe), structure a top-up on your existing loan, and use that as deposit on the rental. The maths is in the structure, not the rate.

Question 3

Will rental income help me service the loan?

Accepted Answer

Banks count rental income, but they discount it (typically 75% of gross). We model the actual servicing position before you make an offer — not after.

Question 4

Interest-only or principal-and-interest?

Accepted Answer

Both have a place. Interest-only can free up cashflow for further investment but doesn't reduce the loan. Principal and interest builds equity automatically. The right structure depends on your strategy, tax position, and how many properties you're aiming for. We'll talk it through.

Question 5

What about tax?

Accepted Answer

We're not accountants and won't pretend to be. We'll structure the loan in a way that gives your accountant clean lines to work with, and we'll happily talk to them directly about how the lending fits your overall plan.

From first rental to your portfolio that funds the rest of your life.

Three things to know upfront.

Higher deposits

Structure matters more

Common investor questions.

Let's talk strategy before structure.