Guides & straight answers
Plain-English lending guides from the MakeMyLoan team.
How interest-only investment loans work in Australia: cash-flow benefits, the repayment step-up when the IO period ends, and why IO can cut borrowing power.
Australia's negative gearing rules changed in 2026. What the new quarantining, grandfathering and CGT changes may mean for investment loan decisions.
How to use home equity as the deposit on an investment property: usable equity, top-ups vs separate loans vs cross-collateralisation, valuations and risks.
How investment property loans work in Australia: deposits and equity, how lenders shade rental income, serviceability buffers, exposure limits and structure.
The documents Australian lenders ask for on an investment property loan: income, rental evidence, contracts, equity proof and gaps that delay approval.