Will rental income help my borrowing power? Yes, subject to lender shading and expense assumptions. We run multi‑lender servicing to compare.
What about negative gearing? We discuss cash‑flow impacts and serviceability, and recommend you obtain independent tax advice.
Can I buy in a SMSF, Trust or Company? Yes — lending is possible with the right structure and documents. We’ll coordinate with your accountant.
How do I structure multiple loans and offsets? We tailor splits and offset accounts to your goals (e.g., deductible vs non‑deductible debt management) and avoid unnecessary cross‑collateralisation.
Interest‑only or principal & interest? IO can aid cash flow and flexibility; P&I pays debt down sooner. We’ll model both and consider your tax and...