Finance As You Grow

Finance As You Grow 🏠 Stupid Simple Structured Home Loans

19/08/2026

Everyone tells you to rentvest. Nobody tells you how.
Since the budget announcements, your borrowing power as a rentvestor has dropped by $100k–$150k. Why? Banks used to add back the tax benefit to lift your capacity 20–30%. Now they’ll only do it if you buy brand new.
The fix isn’t to stop rentvesting. It’s to stop rentvesting the old way.
DM me the word STRUCTURE and I’ll connect you with an accountant + a broker who actually know how to make this work.

19/08/2026

DM me the word STRUCTURE and I’ll connect you with an accountant + a broker who actually know how to make this work.

13/08/2026

Home loan rates as at August 2026 🇦🇺

In this video I run through the sharpest rates I’m seeing right now across three borrower types:

🏠 First Home Buyers (5% deposit)
CommBank 6.22% | ANZ 6.28% | NAB 6.28%

📈 Property Investors (20% deposit)
Suncorp 6.09% | ANZ 6.11% | Westpac 6.21%

🔑 Owner Occupiers (20% deposit)
ANZ 5.94% | Westpac 5.95% | Suncorp 5.99%

⚠️ Important: these are indicative rates as at August 2026 and change often. The rate you’re actually offered depends on your deposit size (LVR), loan amount, loan purpose, repayment type and the strength of your overall application. Advertised rates are not comparison rates and don’t include fees, and a 5% deposit will usually mean LMI or a government guarantee scheme applies. Lowest rate isn’t always the cheapest loan overall.

General information only — not personal financial or credit advice. DM me for a quote based on your actual situation.

interestrates

13/08/2026

📊 Home loan rates — August 2026

FHB (5% deposit): CommBank 6.22%, ANZ 6.28%, NAB 6.28%
Investor (20% deposit): Suncorp 6.09%, ANZ 6.11%, Westpac 6.21%
Owner Occupier (20% deposit): ANZ 5.94%, Westpac 5.95%, Suncorp 5.99%

Quick snapshot of where the majors and Suncorp are sitting this month.

⚠️ Rates correct as at August 2026 and change regularly. Your rate depends on deposit size, loan amount, loan purpose and your full application — these are advertised rates, not comparison rates, and exclude fees and charges. LMI or a guarantee scheme typically applies under a 20% deposit. Approval subject to lender criteria.

General information only, not personal advice. Reach out for a rate based on your situation.

13/08/2026

Same month. Same banks. Three very different rates. 👇

August 2026 — here’s what your borrower type is actually costing you:

Owner Occupier, 20% down → from 5.94% (ANZ)
Investor, 20% down → from 6.09% (Suncorp)
First Home Buyer, 5% down → from 6.22% (CommBank)

That’s roughly a 0.28% gap between buying to live in vs buying to rent out, and another jump again if you’re getting in with a smaller deposit. Full breakdown in the video, including ANZ, NAB and Westpac.

⚠️ Read before you screenshot: rates as at August 2026 and subject to change without notice. Your actual rate moves with your deposit/LVR, loan size, purpose and credit assessment — a bigger deposit or a bigger loan can shift it either way. These are advertised rates, not comparison rates, so fees aren’t included. Low deposit lending generally attracts LMI or a government guarantee. Eligibility and lender criteria apply.

General info only, not personal advice.

Want to know your number instead of the headline number? Comment RATE or send me a DM.

11/08/2026

How to maximise your points based on what you spend on

31/07/2026

What do you do for a living ?

30/07/2026

Who’s pointsmaxxing aswell, let me know 💳

30/07/2026

That fee alone makes it worth it tbh… however after the points devaluation it certainly made it slightly less worth it than what is used to be

29/07/2026

Love me some good debt 💵

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