Investing & wealth building
Buy an Investment Property
Turn equity into your next asset.
For homeowners with meaningful equity, an investment property is a common next step. Rather than saving a fresh cash deposit from scratch, a portion of usable equity in the existing home can form part of that deposit — with the new investment loan taking its own separate structure.
Things to consider
- Investment lending brings tougher serviceability assessments — lenders stress-test both properties.
- Cross-collateralisation (using one property as security for both loans) is common but has downsides — a broker can walk you through structuring options.
- Tax outcomes on investment property borrowing are best discussed with a qualified accountant before you commit.
- Rental yield, vacancy, maintenance and depreciation all interact — a considered, longer-term move rather than a quick decision.
Related equity uses
Three more ways homeowners commonly put usable equity to work.
Explore whether buy an investment property could work for you — complimentary, no obligation.
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