When it comes to property investing, most people put 90% of their focus on the property…

And barely a thought into how they structure their finance.

But here’s the truth:

The wrong finance setup can cost you tens of thousands in lost deductions, extra repayments, or worse — completely block you from growing your portfolio.

So what should investors do instead?

Let’s break it down.

? What matters most is having the right structure from day one.
That usually means keeping your investment lending separate from your home loan, using interest-only where it makes sense, and avoiding cross-collateralisation unless there’s a very good reason.

? Why does this matter?
Because the right structure gives you flexibility, protects your borrowing capacity, and lets your money work smarter — not harder.
It can be the difference between owning one property… or building a portfolio that actually sets you up for financial freedom.

? And here’s the bit most people miss:

If you go straight to your bank, they’ll often try to shoehorn you into a structure that suits them — not you.

That can mean tying all your loans together, locking you in, and potentially blocking your future plans.

Worse, it could slow down your progress on paying off your home.

That’s why we always start with strategy first.

Before you buy anything — get your finance game plan sorted.

If that’s something you’ve been meaning to do, I’d recommend booking a 30-minute Investment Game Plan Call with me.

We’ll look at where you’re at now, where you want to be — and whether your finance setup is helping or holding you back.

? [Book your call here]

Cheers,

Greg
More Than Accountants