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

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