Rentvesting in Australia
Keep renting where you love living. Own a new build where the numbers work.
Rentvesting in a new build means the bank lends 100% of the purchase price plus LMI, a property manager can guarantee the rent for the first years, and the tax system shares part of the holding cost. Here is what it really costs each month — best case and worst case.
General information only — not financial, tax or credit advice.
Start here
Rentvesting, explained plainly
- Rentvesting: the complete Australian guide (2026)
What rentvesting is, how rentvestors buy an investment property while renting, the 2026 tax changes, the costs, the risks and how to run the numbers.
- Is rentvesting a good idea?
Is rentvesting a good idea? What it depends on, the questions people weigh up, what changed in 2026 and the risks, explained plainly.
- Is rentvesting worth it? How to run the numbers
Is rentvesting worth it? How to work out the holding cost, tax effects, best and worst case, and what a property needs to do to be worth it.
- Is rentvesting dead after the 2026 Budget?
Is rentvesting dead after the 2026 Budget changed negative gearing and CGT? What changed, what didn't, and how rentvesting has shifted.
- Rental guarantees: how they work and six questions to ask
How a rental guarantee on an investment property works week to week, who pays, when it ends, the best and worst case, and six questions to ask.
- 100% finance for an investment property: how it works
How 100% of the purchase price plus LMI works for an investment property, why stamp duty is the main upfront cost, the tax effects and the trade-offs.
Who it suits
Rentvesting for your line of work
- Business owners
How rentvesting and property investment work for business owners: self-employed lending, ownership structures, the 2026 tax changes and the risks.
- Buying with friends and family
How rentvesting works when you buy an investment property with friends or family: ownership types, co-ownership agreements, joint loans and risks.
- Defence Force members
How rentvesting works for ADF members: postings, service housing and rent allowance, DHOAS questions, the 2026 tax changes and the risks.
- Doctors
How rentvesting works for doctors: rotations and training years, renting near hospital, the 45% bracket, the 2026 tax changes, and the risks.
- FIFO workers
How rentvesting works for FIFO and DIDO workers: rosters, living near family or the airport, higher marginal rates, the 2026 tax changes and the risks.
- First home buyers who rent
For renters weighing a first home against rentvesting: what you give up, how the numbers work, the 2026 tax changes and the risks, explained plainly.
- Nurses and healthcare workers
How rentvesting works for nurses and healthcare workers: shift work, renting near hospitals, the 30% bracket, the 2026 tax changes and the risks.
- Police and emergency services
How rentvesting works for police, paramedics and firefighters: shift work, transfers, renting near station, the 2026 tax changes and the risks.
- Teachers
How rentvesting works for teachers: regional and remote postings, renting near school, the 30% bracket, the 2026 tax changes and the risks.
- Tradies
How rentvesting works for tradies: renting near work and family, employee vs ABN income, the 30% bracket, the 2026 tax changes, new builds and risks.
- Young professionals
How rentvesting works for young professionals renting in the city: lifestyle vs ownership, the 30% bracket, HECS, the 2026 tax changes and the risks.