Rentvesting & Interstate Buying — Start Here

Welcome — how to use this page

Living in one place and buying in another introduces extra complexity — even when income is strong.

This page helps you understand how location, use, and timing affect lending outcomes.

How this fits into Model Mortgages

People in this situation often use:

• Fact sheets to understand rental income and costs
• Structure exploration to plan future moves
• Brokers to avoid sequencing mistakes

Who this page is for

• Rentvestors
• Interstate buyers
• Buyers separating lifestyle and investment
• Buyers planning future relocation

Common questions

• Does renting affect borrowing?
• How is rental income treated?
• What changes between states matter?
• Can I buy while renting and still upgrade later?

Common scenarios

• Renting in one city, buying in another
• Buying interstate as a first purchase
• Holding property while relocating later

Optional: exploring structure

Some people explore how:

• buying now affects future moves
• timing influences flexibility

Explore possible scenarios

Core fact sheets

• Fixed rate loans
• Variable rate loans
• Offset accounts
• Interest-only loans

All home loan fact sheets (PDF)

Prefer to talk it through?

Most people speak to a broker early to avoid missteps.

Talk to a broker