Which is the better deal: refinancing, personal loans or upfront rent?

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Futurerent Explained

What makes a top-up painful for property investors?

Thinking about refinancing your investment property to access equity? 'Topping up' your mortgage, or doing a "cash-out refinance" sounds as simple as adding milk to your morning coffee. It's how the majority of property investors access the money they need. In this blog, we dive into what refinancing actually involves, the tripwires that might make 'topping up' your mortgage a non-starter, and the real costs involved.

December 5, 2024

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What is a cash out refinance: A comprehensive guide for Australian property investors

A cash out refinance lets you tap into your property's equity without selling. Learn how it works, key benefits, potential risks, and tax considerations in this comprehensive guide.

March 7, 2025

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The ‘hidden’ $2,082 cost of refinancing for a top-up and how property investors can avoid it

When it comes to working out the cost of refinancing a home loan for a top-up, many people focus on the interest rate but forget that refinancing involves a stack of other costs. Exactly how much top-up refinancing will set you back in ‘hidden costs’ depends on your situation and your lender. To give you a general idea, these costs average out to be $2,082. On top of this, there are potential break fees and lenders’ mortgage insurance (LMI) which each run into tens of thousands of dollars.

February 28, 2025

Two people sitting on the floor reviewing bills and invoices, using a calculator and laptop to manage high-interest debt repayment.

How to pay off high-interest debt without touching your savings

High-interest debt can seriously kill your finances. If you have an investment property, you could use Futurerent to help consolidate debt, which means you only need to pay one cost.

February 23, 2025

Property Investing Guides

Guide: 7 Things to know before you refinance an investment property loan

While the benefits of refinancing are often discussed, many property investors don’t realise what the refinancing costs are and the work involved. This guide provides an overview of refinancing an investment property, the tax deductibility of refinancing costs, and other considerations.

March 1, 2025

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Guide: Buying a second property and renting out the first in Australia

Buying your second property is very similar to buying your first home but there are more complexities involved. To help you get your head around it all, we’ve put together a guide to buying your second property and how second-time buyers might go about financing the purchase.

February 26, 2025

Guide: What you should know about capital gains tax on investment properties

Capital gains taxes can cut into your profits, leaving you with less money to reinvest or use for other purposes. But there are legal ways to potentially avoid paying capital gains tax on investment property. Seek professional advice from a tax accountant or financial advisor to check if you’re eligible.

March 17, 2023

Guide: How to buy a second property with no deposit

In this guide, we'll take you through the basics of how to buy a second property with no deposit and look at some tactics investors use to buy multiple investment properties.

Market updates

NSW's "missing middle" housing policy unlocks 112,000 new homes

Game-changer for property investors: NSW's new housing policy is unlocking investment opportunities, fast-tracking approvals, and boosting property market potential.

February 25, 2025

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Market update: Record $306K profits for home sellers

Home sellers are enjoying record profits while Melbourne's property market recovery accelerates. Brisbane leads with 99.6% profit-making sales as auction clearance rates remain strong nationwide.

March 20, 2025

Property "super cyle" emerging: Why Melbourne should be back on investors' radar

Ray White chief economist describes a property 'super cycle' as investor loan approvals surge 29.8% nationwide. Find out why Melbourne's affordable suburbs are now attracting savvy investors.

March 13, 2025

Property Revival Takes Flight as Rate Cut Cycle Begins

The property market is bouncing back as rate cuts drive renewed price growth. Melbourne leads the way, auction activity is rising, and investor confidence is returning. Find out what this means for buyers and sellers.

Investment Properties

How building defects could be a ticking time bomb for apartment owners

Building defects are a problem many property investors could face one day, especially for those who bought an apartment built in the past 10 years.

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February 20, 2025

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Mastering commercial property metrics: A practical guide to cap rate calculations

Understanding cap rates is essential for commercial property investors. Learn how to calculate cap rates accurately, avoid common mistakes, and benchmark them across different property types to make smarter investment decisions.

March 5, 2025

Understanding commercial property metrics: A deep dive into cap rates

Master cap rates in commercial property investment: Learn what they are, how to calculate them, and what factors influence them.

March 4, 2025

Who is responsible for appliances in a rental property?

Whether it’s a broken fridge or a faulty oven, knowing who covers the cost can save a lot of hassle. In this blog, we break down the rules, maintenance responsibilities, and tax deduction tips to keep things running smoothly.

February 25, 2025

Property Investor Tips

Should you renovate your investment property?

You may have noticed some properties are taking longer to rent. Here are a few points to weigh up before you go ahead with your renovation.

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February 21, 2025

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How to calculate real estate tax in Australia: A guide for property investors

Confused by property tax in Australia? From land tax to stamp duty, this simple guide breaks it all down so you know exactly what to expect and how to calculate it.

March 26, 2025

What is an appraisal in real estate in Australia?

Wondering how real estate appraisals impact your investment strategy? In this blog, we walk you through how a real estate appraisal works, how to get one, the time and costs involved, and the impact it can have on your investment strategy.

March 19, 2025

Australian property investor's guide to tax deductions: What you can write off

Discover how properly claiming tax deductions could be the difference between a profitable investment property and one that underperforms. This guide covers all deductible expenses for Australian property investors, from mortgage interest to body corporate fees.