Rentvesting
Rentvesting: A New Way to Invest in Real Estate While Enjoying Lifestyle Flexibility
Rated 5 from 51 Reviews
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Rated 5 from 51 Reviews
Public Home Loans is here to help public servants explore the exciting concept of rentvesting. This strategy allows you to rent a home in a location that suits your lifestyle, while simultaneously investing in real estate to build equity. Rentvesting offers lifestyle flexibility and the potential for financial growth, making it an appealing option for those looking to invest in property without compromising on where they live.
The main appeal of rentvesting lies in its ability to offer both lifestyle and financial benefits. You can live where you want, perhaps in a bustling city centre or a serene seaside town, while your investment property works for you. Public Home Loans can help you access investment loan options from banks and lenders across Australia, ensuring you find the right fit for your financial goals. With skyrocketing property prices, this strategy allows you to enter the property market without having to sacrifice your preferred living location.
Understanding the financial aspects of rentvesting is crucial. Finance & Mortgage Brokers at Public Home Loans can guide you through the intricacies of applying for an investment loan. The application process involves assessing your borrowing capacity, considering the loan amount, and understanding the loan to value ratio (LVR). Lenders mortgage insurance (LMI) may also be a consideration, depending on your LVR. Our brokers will help you research property options, whether you're interested in a town house, apartment, or stand-alone dwelling. They will also assist in finding good investment locations with potential rental income and tax benefits.
Interest rates play a significant role in your investment journey. Our experienced brokers can help you secure interest rate discounts and favourable terms, ensuring your investment is as cost-effective as possible. Stamp duty is another factor to consider when buying an investment property. This tax can vary depending on the property's location and value, so it's essential to factor it into your budget from the outset.
Rentvesting also requires careful planning regarding property management. Owning a rental property means you'll need to consider ongoing maintenance and tenant management. Public Home Loans can connect you with trusted property management professionals who can handle these tasks, allowing you to focus on the benefits of building equity through property ownership.
The potential rental income from your investment property can contribute significantly to covering your mortgage repayments. This income stream not only helps with affordability but also enhances the overall return on your investment. By choosing the right property in a promising location, you can maximise both rental yield and capital growth.
Public Home Loans is committed to supporting public servants throughout their rentvesting journey. Our team will assist with every step of the investment loan application process, helping you make informed decisions about buying a rental property. Whether you're looking at an apartment in a vibrant urban area or a stand-alone dwelling in a growing suburb, we ensure you have the information and support needed to succeed.
Rentvesting offers an innovative way to approach property investment, providing both lifestyle flexibility and financial opportunities. By working with Public Home Loans, public servants can confidently explore this strategy, leveraging our expertise to secure favourable investment loan options and manage their properties effectively. Our commitment is to help you achieve your financial goals while enjoying the lifestyle you desire.
Public Home Loans invites you to consider rentvesting as a viable path to property investment. With our guidance and support, you can confidently embark on this journey, balancing lifestyle choices with smart financial decisions. Contact us today to learn more about how we can assist you in accessing investment loan options and making the most of this exciting opportunity.
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Harry
Working with Nick to purchase our first home was a seamless experience. His knowledge of the market was exceptional and was quick to respond to all our questions. I wouldn’t hesitate to recommend his services. Thanks Nick!
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claudia alvarez
I was extremely pleased by the service provided from Carl Elsass. He was very helpful and very clear by explaining every aspect of the mortgage process. From start to finish, He attended to all the documents required as well as arranging a suitable loan within a very short period with my minimum involvement. Thank you! Claudia Marcela
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Javier Gómez
Carl was really helpful and patient, took its time to understand my situations and provided great advice and options in order for me to make the right decision.
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Glen Ashley
Carl has been amazing to work with. He was on the ball straight from the start with knowing all the information I would need to provide. He was quick to respond while others would not return communication for weeks. He managed to secure me a great product in a short amount of time, even while we are on opposite sides of the country. I highly recommend getting in touch with Carl, you won't look back.
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Samuel Hogarth
Carl was extremely professional and attentive with our situation. He kept us well informed (and calm) throughout the process. Thanks so much for getting us the best option in a tough market!
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Sam Wicks
My wife and I had a very positive experience with Carl, who was helping us organise our first home loan. Carl was responsive and managed to secure us a very competitive rate in a limited timeframe. We are truly thankful for his assistance, and would definitely recommend!
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Samantha Bartlett
Working with Nick was so fabulous! He’s very experienced and a pleasure to work with and was always happy to go above and beyond to help. I recommend his services highly!
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Mayur Solanki
Nick and the team are awesome. They helped and patiently guided me through the entire process. In every step of the process they stayed available and in constant contact. All the communications were clear and transparent. I will definitely use them again.
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Ellie
Nick has been amazing! He successfully got me my home loan. He is professional and friendly to deal with. See you for the next property!
Absolutely. While we specialise in home loans for public servants, we also assist with refinancing, investment property loans, construction loans, land purchases, and car loans. We understand the financial needs of teachers, nurses, police officers, and other public sector workers and can tailor loan solutions to suit your employment structure and benefits.
Yes. Government pay scales offer predictable, incremental increases, which many lenders see as a sign of long-term financial stability. This can positively influence both your borrowing capacity and loan approval prospects.
Yes. As a public servant, you may qualify for various state and federal initiatives such as the First Home Guarantee or stamp duty concessions. We stay up to date with all relevant schemes and will help you understand what’s available based on your circumstances.
We support current and former employees in all areas of public service, including education, healthcare, emergency services, defence, and government departments at the federal, state, and local levels. We understand the job stability, pay structure, and allowances common in these roles and can leverage that to your advantage when applying for a loan.
You'll typically need payslips, a recent group certificate or tax return, bank statements, and ID. If you're on a government salary, have salary packaging, or receive additional allowances, we know how to present these to lenders to demonstrate your full income potential. We’ll give you a checklist tailored to your role.
Yes. Many public servants, especially in healthcare and education, use salary packaging or receive fringe benefits. We understand how different lenders assess packaged income and can help ensure your full income potential is recognised in your loan application.
Yes. We’re familiar with the pay scales, entitlements, and allowances common across federal departments like the ATO, NDIA, Services Australia, and Centrelink. This insight allows us to present your income accurately to lenders and maximise your borrowing potential.
Yes, we often help clients access features like waived LMI for eligible professionals (e.g. nurses or police officers), interest-only repayments for investors, or offset accounts for better cash flow. We’ll help structure a loan that complements your long-term financial goals.
Yes. If you’ve received a formal job offer or contract from a government department in another state, many lenders will accept this as proof of future income. We can help you secure pre-approval before you move, so you’re ready to purchase when the time is right.
Definitely. Many of our clients apply jointly with spouses, siblings, or partners who also work in the public sector. We know how to structure these applications to combine incomes, strengthen the case for approval, and explore any joint eligibility for government support schemes.
Trustee for the O'Sullivan Family Trust ABN: 29 235 649 437, Credit Representative #482294 and is authorised under Australian Credit Licence 389328..
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Names & Locations of users have been changed to protect their privacy and are illustrative only.
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