Live Where You Love.
Invest Where the Numbers
Make Sense.
You don't have to choose between your lifestyle and getting into the property market. Rentvesting lets you rent where you want to live and buy where the investment case is strong — and our service is completely free.
What Is Rentvesting?
Rentvesting is a property strategy where you rent in the area you want to live — close to work, lifestyle, or family — while buying an investment property in a more affordable location where the numbers stack up.
It's a way to get into the property market without giving up where you want to be. Your tenants help cover your mortgage, and over time you build equity in an asset that's working for you.
At Based Finance, we help clients across Australia understand whether rentvesting makes sense for their situation — and structure the right loan to make it happen.
Is Rentvesting Right for You?
- You want to buy but can't afford your preferred suburb
- You value lifestyle and don't want to compromise on location
- You're open to owning where the investment case is strong
- You want to start building wealth now, not in five years
Everyone's situation is different — let's talk through yours.
How It Works
Four steps to get into the market without sacrificing your lifestyle.
Choose Where to Live
Rent in the area that suits your lifestyle — near work, family, or the coast. You're not locked in forever.
Find the Right Investment Property
Look for areas with strong rental demand and growth potential. We'll help you assess what your budget can realistically achieve.
Secure the Right Finance
Structure your loan correctly from day one. The right loan type, rate, and structure makes a real difference to your cash flow and future borrowing power.
Let Your Tenants Help Pay It Off
Rental income helps cover the mortgage, reducing out-of-pocket holding costs while you build equity over time.
Why Rentvesting?
It's not for everyone — but for the right person, it can be a smart way into the market.
Get Into the Market Sooner
You don't have to wait until you can afford your dream suburb. Start building equity now in a market that works for you.
Live Where You Want
Don't compromise your lifestyle. Rent where it suits you and invest where the numbers make sense.
Rental Income Helps Cash Flow
Your tenants contribute to the mortgage, reducing what comes out of your pocket each month.
Potential Tax Advantages
Investment properties may come with deductions — interest, depreciation, and more. Tax and financial advice must come from a qualified accountant or financial adviser.
Build a Property Portfolio
Some rentvesting clients go on to own multiple properties, using equity from one investment to keep growing.
Flexibility
Rentvesting doesn't lock you in forever. You can reassess as your life and financial situation evolves.
Tax and financial advice should be obtained from a qualified accountant or financial adviser. Based Finance provides credit assistance only.
Common Questions About Rentvesting
Straight answers to the questions we hear most.
This varies by state and is worth getting right before you commit. In most Australian states, purchasing an investment property before an owner-occupied home may affect your FHOG eligibility. Rules differ between states, so speak with a conveyancer or solicitor before making any decisions. We're happy to refer you to the right professionals.
Lenders typically assess rental income at 70–80% of the gross rent, which can help your borrowing position. The exact impact depends on your overall financial picture — income, existing debts, deposit size, and the lender's specific policy.
Investment properties may be negatively geared, meaning costs exceed rental income — and that shortfall may be tax-deductible. You may also be able to claim depreciation. Tax rules are complex and change regularly. You must speak with a qualified accountant before making any decisions.
Yes — many rentvesting clients plan to move into their investment property once their circumstances change. Capital Gains Tax implications apply when you do. You must speak with a qualified accountant and solicitor before moving into your investment property to understand the tax and legal implications.
It depends on your income, deposit, goals, and lifestyle priorities. The best starting point is a free chat — we'll look at your numbers together and you can decide from there. No obligation.
Ready to Explore If Rentvesting Is Right for You?
Book a free discovery call. We'll look at your numbers, talk through your options, and you can decide from there. No pressure, no cost.
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Important Disclaimer
This page contains general information only and does not constitute financial or credit advice. Rentvesting involves complex financial, tax, and legal considerations. You must seek professional advice from a qualified accountant, financial adviser, and solicitor before making any investment decisions. Eligibility for grants and schemes varies by state and individual circumstances.