Investment Home Loans

Investing in property represents one of Australia’s most trusted wealth-building strategies. Investment home loans are specifically designed to fund the purchase or construction of properties intended to generate rental income and capital growth.

Cam connor

Building vs. Buying Established

Financial advantages when you build a new investment property rather than purchasing an established home:

  • Maximum Tax Benefits: Claim full depreciation on new builds (compared to reduced depreciation on older properties)
  • Construction Period Advantages: Claim interest and construction costs as tax deductions
  • Modern Appeal: Higher rental potential with contemporary designs and energy-efficient features
  • Lower Maintenance: Reduced upkeep costs in the initial years of ownership
  • Builder’s Warranty: Protection against structural defects

Financing Options

Our independent building consultants can help structure your investment loan in several ways:

 

  • Traditional Deposit: Using saved funds (typically 10-20%)
  • Equity Release: Leveraging equity from your existing property
  • Cross-Collateralization: Using multiple properties as security
  • Interest-Only Options: Maximizing tax benefits and cash flow
  • Fixed/Variable Rates: Choosing stability or flexibility once construction completes

Strategic Approach

At Emily Rose Homes, our building consultants take a comprehensive approach to investment property construction:

  1. Financial Assessment: Our finance brokers analyse your borrowing capacity
  2. Location Research: Identifying areas with strong rental demand and growth potential
  3. Property Design: Selecting designs that maximize rental appeal and returns
  4. Builder Selection: Partnering with Perth home builders specializing in investment properties
  5. Tax Planning: Working with your accountant to structure the investment
Jane brook

The Breakdown

Investment Property Example:

 

  • Property value: $600,000
  • Potential weekly rent: $600-$650
  • Annual rental income: $31,200-$33,800
  • Depreciation benefits (first year): Approximately $15,000-$20,000
  • Potential tax deductions: Loan interest, property management fees, insurance, rates

Our team specializes in creating investment packages with optimal configurations for the Perth market. We analyse each aspect of building a home for investment to ensure the property delivers strong rental yields and long-term capital growth.

 

Ready to explore how an investment property could strengthen your financial future? Contact our building consultants today for a personalised investment strategy session.

Do more research

For additional information about investment property strategies and benefits:

 

Information current as of March 2025. Tax benefits, depreciation schedules, and loan products are subject to change. Please consult with a qualified financial advisor or tax professional for advice specific to your situation before making investment decisions.

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