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How your investment loan is set up affects your cash flow, your tax position and whether you can buy again. We look at all three before we compare a single lender.
What changed in 2026
New tax rules passed Parliament in June 2026. In short:
- Properties you already owned before 7:30pm on 12 May 2026 keep their current tax treatment.
- Established homes bought after that time can’t have rental losses offset against your salary from 1 July 2027.
- Eligible new builds keep negative gearing and the 50% capital gains discount.
- Capital gains tax changes from 1 July 2027: the 50% discount is replaced by an inflation adjustment and a 30% minimum tax.
These changes may affect which property you buy and how you finance it. Speak to your accountant about your tax position; we’ll set up the loan to match.
What we look at
- Interest-only or principal and interest — lower repayments now, or paying down debt from the start.
- Keeping loans separate — so one property isn’t tied to another as security, which gives you more control if you sell or refinance.
- Using equity — how much of your home’s equity you may be able to put towards a deposit.
- How lenders count rent — most count only part of your rent, and each counts it differently. That changes how much you can borrow.
- Your buffer — room in your budget for vacancies, repairs and rate rises.
What we do for you
- Review your current loans and borrowing power.
- Compare 40+ lenders on rate, features and how they assess investors.
- Set up the loan to suit your plans, working alongside your accountant.
- Review it every year as your portfolio and the market change.
Planning your next investment?
Book a free chat or call us now!
This information is general only and isn’t tax or financial advice. Speak to a registered tax agent about your situation. Eligibility criteria, fees and charges apply.