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A 40-Year Interest-Only Investment Loan Next to Your Home Loan: How to Use It to Clear Your Home Sooner
At least two lenders now offer 40-year investment loans with up to 10 years interest-only. Here are the real numbers on pairing one with an existing home loan, and how to use the lower repayment to pay off your home years sooner.
Ian Freeman
Nov 26 min read


Is There a "Sweet Spot" Loan Size Under the New Negative Gearing Rules?
A real $800k investment property case study under Australia's 2026 negative gearing changes — including whether there’s a neutral-gearing ‘sweet spot’ loan size, and how to re-weight OO vs investment debt for the best tax outcome.
Ian Freeman
Aug 176 min read


Buying an Investment Property in WA After the Negative Gearing Changes: A Full Worked Example
A full worked example for a $260,000-income Perth family: how to structure the loan, release equity for the deposit and stamp duty, and what tax claims are still available after the 2026 negative gearing changes.
Ian Freeman
Jul 2710 min read
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