02/10/2026
🏡 Could interest-only repayments help your investment property cash flow?
Do you want to pay💰 $1,112.41 less per month during the interest-only period, by deferring principal repayments?
Interest-only repayments can reduce your monthly outgoings and help manage the cash-flow shortfall on a negatively geared property.
Eligible investment loan interest may be tax deductible under either repayment option, while principal repayments are not. Interest only may suit your broader tax strategy—speak with your accountant about your circumstances.
Example: $800,000 investment loan at 6.24% p.a.
Principal & interest — 25 years remaining Interest only
$5,272.41/month $4,160.00/month
💰 $1,112.41 less per month during the interest-only period, by deferring principal repayments.
We can help review and restructure your investment loan to suit your needs. Contact Mortgage Choice Hornsby to discuss your options.
Disclosure: General information only, not personal financial or tax advice. Estimates assume the same 6.24% rate for both options, monthly repayments and no fees or offset. Actual repayments may differ, and interest-only rates may be higher. The loan balance does not reduce during interest only; repayments increase afterwards and total interest may be higher. Tax treatment depends on loan use and individual circumstances. Speak with your accountant for taxation advice. Subject to lender approval.