Build now.Pay later.
No loan repayments while it's built
A purpose-built, high-cashflow investment home, finished and ready to rent as the market turns.
Decisions are needed over the next few weeks.
Land $233,000 + build $465,350
Indicative rent $900 a week ($500 + $400)
6.7% gross yield
5 bed, 3 bath, 2 dwellings, 591m²
Land titles expected Q4 2026
| 12.5% down | 20% down | |
|---|---|---|
| Deposit | $87,294 | $139,670 |
| Interest allowance | $45,393 | $42,599 |
| Total borrowing* | $656,449 | $601,279 |
| Stamp duty | $9,050 | $9,050 |
*Before the construction risk fee. 12.5% applies where the lender's postcode rules allow. Regional postcodes like Tatura are capped at 80% lending, so the 20% column applies unless the lender confirms otherwise. Indicative investor variable rate 6.84% (12.5% down) or 6.74% (20% down).
Tax settings that favour new builds
The 2026 Budget winds back negative gearing and the 50% CGT discount for established investment property. Eligible new builds keep their options.
Negative gearing
Eligible new builds keep it, so losses can offset your other income.
Your choice of CGT method
Pick the 50% discount or the new indexation method when you sell.
Depreciation
A new structure and fittings can claim deductions that lift after-tax cashflow.
1Choose your package
Dual Key or standard dwelling, purpose-built for rental income.
2Settle and build
Repayments are paused for up to 12 months while it is built.
3Complete and lease
Finished early? Keep the pause running while your tenant moves in.
Be building in early 2027.
First RBA rate cuts are forecast for mid to late 2027. Decisions are needed over the next few weeks. Message me on WhatsApp or book your strategy call.
Current Investment Opportunities
Want to see what's available right now? Browse the properties we currently have available and see how the numbers stack up for each one.
See our Current Investment Opportunities →General information only, not advice. Investlogic (Over and Above Buyers Agents Pty Ltd, ABN 56 642 026 640) is a property sourcing and project partner. We hold no AFSL and do not give financial, credit, tax or legal advice. Homepay loans are offered by Origin MMS, a division of Columbus Capital Pty Ltd (AFSL and ACL 337303). Homepay (Aus) Pty Ltd is not a related entity to Columbus Capital Pty Ltd. Homepay (Aus) Pty Ltd (ABN 51 655 094 876) recommends seeking independent professional advice before making any financial decisions. Homepay construction loans are offered via Broker Channel and are subject to credit approval, accredited builders only. Interest is capitalised, and repayments start earlier if the interest allowance runs out. Rates, fees and eligibility can change. Rent and figures are indicative. Tax settings are from the 2026 Federal Budget (legislation before Parliament) and depend on new-build eligibility; speak to your accountant. Rate-cut timing is a forecast, not a guarantee.