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How Much Can I Borrow? Estimating Your Loan Capacity in 2025

How Much Can I Borrow? Estimating Your Loan Capacity in 2025 Before you start house–hunting or eye that next investment property in Australia, you need to know how much a lender will let you borrow. In 2025, banks and other...

Aug 30th, 2025
3-Year Rentvesting & Equity-Laddering Strategy for High-Income Singles in Sydney

Accelerated Property Portfolio in Sydney: A Three-Year Plan Overview For high-earning professionals in Sydney, tackling a volatile property market calls for creativity. By combining rentvesting with an equity-laddering approach, you can acquire multiple investment properties over three years, maximise tax...

Aug 23rd, 2025
3-Phase Property Investment Strategy for High-Income Earners Aged 50+

3-Phase Property Investment Strategy for High-Income Earners Aged 50+ Strategic Overview Jeremy is a 53-year-old professional in the oil and gas industry earning $270,000 a year. Despite having no liquid savings and carrying $100,000 of consumer debt, he owns land...

Aug 23rd, 2025
Borrowing Capacity & SMSF Property Investment Strategy for High-Income Investors

Estimating Borrowing Power and Investment Pathways for High Earners Jeremy earns a gross annual salary of $270,000 and, under current Australian lending criteria (as of August 2025), could borrow around $890,000 on a new home loan. This calculation assumes a...

Aug 21st, 2025
Can High-Income Earners in Australia Use a Personal Loan for a Home Loan Deposit?

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...

Aug 6th, 2025
How Much Can James and Sally Borrow to Help Their Daughters Enter the Sydney Property Market?

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...

Aug 6th, 2025
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