Investing6 min read
Why most investors stop at two properties
It is almost never a lack of ambition. It is the serviceability buffer, rental income shading, and a loan structure decided two years earlier.
Insights
Writing on the things that actually decide lending outcomes: borrowing capacity, income assessment, and how a loan should be structured if you intend to keep buying.
- Self-Employed5 min read
Add-backs: where self-employed borrowing capacity is found
Your taxable income is not the number a good application submits. Here is what lenders will add back, and why most applications never ask.
- Guides5 min read
Using equity for your next deposit, without breaking your tax position
Accessible equity, why capacity binds before valuation does, and the one structural decision that determines whether your interest stays cleanly deductible.
- Guides5 min read
What lenders actually do with bonus, commission and overseas income
Variable and foreign income is assessable. It is just discounted, and the discount varies enough between lenders to decide the application.
Your next property starts here.
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Where others stall
Built for complexity. Multiple properties, complex income, unusual structures. We find a way.