Apply now

Rentvest to get into the market sooner


Love where you rent but want to buy a property? We’ll help you start your property journey without sacrificing your lifestyle.

Book tiime with a broker

Excellent • 4.4 out of 5 •
932 reviews
Rentvest knitted vests

Why rentvesting works

Rentvesting is a property investment strategy where you buy an investment property you can afford whilst renting where you live.

Rentvesting gives you the freedom to live in the suburb you love while investing in property elsewhere. This way, you enjoy your ideal lifestyle and still grow your wealth. With the right strategy, your rental income and the property’s assumed capital growth can help you build equity faster- helping you reach your longer term goals.

Thinking about Rentvesting?

Can I get a home loan if I’m renting where I live?

It depends on your individual circumstances. Lenders assess your income, expenses, and credit history. Your rent is considered an ongoing expense. It affects borrowing capacity but in itself does not stop you from getting a loan.

Do I need a different type of loan for rentvesting?

Your loan will be a standard investment property loan. The key difference is that the property is for investment, so the loan is classified as an investment loan rather than an owner-occupier loan.

Will my interest rate be higher for an investment loan?

Typically, yes. Investment loans often have slightly higher interest rates compared to owner-occupier loans.

How much deposit do I need for an investment property?

Usually 10–20% of the property value. Some lenders allow lower deposits with Lenders Mortgage Insurance (LMI). You will also need to pay the purchase costs upfront, on top of the deposit. This includes stamp duty and transfers, plus the services of a conveyancer/solicitor.

Flexibility, speed, and future benefits

  • Check

    Flexibility

    Live where you love without being tied down.

  • Check

    Faster market entry

    Invest first and own the home you want later.

  • Check

    Build your future

    Own a property that allows for growth and may provide you options down the track.

  • Check

    Lifestyle freedom

    Rent where you want, invest where you can.

  • Generate income

    Income from renting the property contributes toward mortgage payments.

  • Book time with a broker

    Our Broker team are available to help you get a loan that suits you, so why not book a time with one of our home loan experts?

    Book a call

How our mortgage brokers are different

  • Unlocked and open padlock icon

    Unlock lower rates

    Our mortgage brokers work smarter to find you the best deal from top lenders, plus exclusive home loans that you won’t find anywhere else.

  • Thumbs up smiley emoji icon

    No commission, no bias

    Our mortgage brokers don’t earn commissions, so their only incentive is getting you the best home loan.

  • Conversation chat bubbles icon

    Expert service, no bots

    No robo-advice. Just real experts to guide you with as much (or little) support as you want. We're proud of our 8+ years, and thousands of happy customers.

Book tiime with a broker

Our mortgage broker specialists

Our mortgage broker team combines deep lending and finance experience, with a genuine commitment to help you find the appropriate home loan.

They take the time to understand your goals and provide clear guidance so you can make confident, informed decisions throughout your home-buying journey.

Book time with a mortgage broker
Mortgage broker Sam

30+ lenders with 1,000s of options for a tailored solution.

Commonwealth Bank logoWestpacNABANZMacquarieINGSuncorpBank AustraliaBankwest

Tiimely Own is the smart choice for a low-rate loan with fast approval, but it’s not for everyone. Our in-house mortgage broker service provides bank loans from over 30 major lenders and supports complex situations and loan features such as split loans, guarantor loans, and construction loans.

Talk to a mortgage brokerLearn more

Real customers. Real stories. Real savings.

Don’t take our word for it. Read what real Australians say about their Tiimely Home experience on Trustpilot.com

Excellent • 4.4 out of 5 •
932 reviews

Ready to take the next step?

Call 1300 842 405 to speak directly to one of our team.

Book tiime with a broker

Disclaimer

Tiimely Home does not provide financial or investment advice. This material does not take account of your objectives, financial circumstances or needs. Tiimely Home recommends that you seek independent financial, legal and taxation advice before making an investment decision.

IMPORTANT INFORMATION: Any information provided does not constitute an offer of credit and are examples of what may be available to you based on the information available. It does not take into account any product features or any applicable fees. Lending criteria and the basis upon which we assess what you may be able to afford may change at any time without notice. For Fixed Rate home loans, break costs may be payable which can be significant if you change the whole or part of your fixed rate loan or where additional or early repayments are made during the fixed rate period.

Important information about rates
*Tiimely Own products are subject to loan-to-value ratio (LVR) requirements, eligibility and credit criteria and terms and conditions. Rates apply to new Tiimely Home customers only and are subject to change without notice.

**The rates shown for products available from panel lenders via Tiimely Home brokers are current based on information from panel lenders and are subject to change without notice. The home loan with the lowest current interest rate is not necessarily the most suitable for your circumstances, you may not qualify for that particular product and the product may not include all the features relevant to you. All applications are subject to lender assessment and approval, and eligibility requirements and terms and conditions apply.

^The comparison rates displayed are calculated for a loan of $150,000 over 25 years. If a comparison rate relates to a Tiimely Own loan with a fixed interest rate, the comparison rate has been calculated on the basis that our current applicable variable rate will apply at the end of the fixed rate period. If a comparison rate relates to an interest only loan with a fixed rate, the comparison rate has been calculated on the basis that the interest only period is the same duration as the fixed rate period. If a comparison rate relates to an interest only loan with a variable interest rate, the comparison rate has been calculated on the basis that the interest only period is 5 years.

WARNING: The comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. All interest rates are subject to change without notice.

Other important information
+Tiimely Home is known for its fast approvals for Tiimely Own products and responsive service, powered by our technology and supported by our team of experts. Application and approval times are estimates only and not guaranteed. Turnaround times are dependent on individual circumstances. Applications for a Tiimely Own loan may require an assessor to obtain more information. Assessment times for home loan applications made via Tiimely Home brokers are dependent on individual panel lenders.

The information provided does not constitute an offer of credit and does not take into account your objectives, financial situation or individual circumstances. We recommend seeking independent financial, taxation and legal advice to check how the information provided aligns with your individual circumstances.

Tiimely Home receives commissions from Tiimely Own loans and, where customers apply for a loan with the assistance of a Tiimely Home broker, from loans settled with panel lenders. Tiimely Home brokers do not receive individual commissions. More information about the credit services provided by Tiimely Home is available in the Tiimely Home Credit Guide (PDF) and Tiimely Home Broker Credit Guide (PDF).