Securing a Home Loan with a Personal Loan Deposit In Australia, it’s possible to use a personal loan as part or all of your home loan deposit. This approach can be useful for high-income earners who haven’t built up savings...

Estimating James and Sally’s Borrowing Power To help their daughters step into the Sydney property market, we analysed James and Sally’s finances as of August 2025. Although some data was incomplete, we used conservative assumptions based on Australian lending standards...

Estimating Peter’s Borrowing Power in Adelaide (2025) When Peter sits down to apply for a home loan in Adelaide, lenders will review his salary, outgoings, debts and family responsibilities. Based on his details, here’s a realistic range of what he...

Estimating Francis’s Borrowing Capacity for Property Investment Francis, now 80, owns a mortgage-free Perth home valued at $1 million and will have $400 000 in cash from selling an investment property. Below are three ways he could re-enter Australia’s property...

Deciding Between SMSF and Personal Lending for Property Investment Choosing whether to acquire property through a Self-Managed Super Fund (SMSF) or via a personal loan hinges on your financial objectives, risk tolerance, tax position and retirement planning. Below is a...

Alice & Jake’s Borrowing Power (Non-SMSF, 10% Deposit) Financial Summary Income: $257,600 p.a. ($229,000 salaries + $28,600 rental) Expenses: $83,840 p.a. ($23,160 PPOR + $22,800 investment + $35,000 living + $2,880 credit card) Savings: $200,000 Equity: $2,075,000 (PPOR $1,600,000 +...