Property Investors — Start Here
Welcome — how to use this page
Investing in property is rarely a one-off decision. Most investors are balancing today’s purchase with what they want to do next.
This page helps you understand how the lending system treats investors, so decisions make sense over time.
You don’t need to read everything.
Most investors skim what’s relevant, then speak to a broker when structure matters.
How this fits into Model Mortgages
Model Mortgages explains how lending decisions are made, not what you should do.
Investors typically use:
- Fact sheets to understand mechanics (interest-only, rental income)
- Structure exploration to see how choices affect future capacity
- PMIA for real-world examples
- Brokers for execution and sequencing
This page brings those together for investors.
Who this page is for
- First-time investors
- Existing investors
- Investors planning multiple purchases
- Investors balancing cash flow and growth
Questions investors actually ask
- Why did my borrowing capacity drop after my first property?
- How is rental income really assessed?
- Interest-only vs principal & interest — what matters long term?
- How does this purchase affect my ability to buy again?
- Should I refinance before or after buying?
Common investor scenarios
- Buying a first investment property
- Using equity from an existing home
- Managing borrowing capacity over time
- Planning the next purchase
Optional: exploring structure
Many investors explore structure to understand:
- where capacity caps appear
- how sequencing affects outcomes
- why some portfolios stall early
Explore possible scenarios
This is not a loan application.
Core fact sheets
- Fixed rate loans
- Variable rate loans
- Interest-only loans
- Lines of credit
- Offset accounts
All home loan fact sheets (PDF)
Prefer to talk it through?
Most investors clarify structure early and let a broker manage execution.
Talk to a broker