Buying Your First Investment Property: What Smart Professionals Need to Know
You’ve nailed the career, sorted your home base, and now you’re ready to grow - not just your income, but your future. Enter: your first investment property.
If you’re a financially aware, time-poor professional looking to make your money work smarter (without drowning in detail), you’re exactly who we work with at Lune Finance. And yes - buying an investment property for the first time can feel clear and doable.
Here’s what you need to know to get it right the first time - with clarity, not chaos.
💡 Why Investing in Property Still Makes Sense (If You Do It Right)
Property can be a powerful way to build long-term wealth. But it’s not about buying “just any” place - it’s about aligning your investment with your goals, risk appetite, and lifestyle.
The right loan strategy is just as important as the property itself. That’s where we come in.
🏦 First-Time Investor? Here’s What Lenders Look At
Yes, your income and deposit matter - but so do:
Your existing debts (including HECS/HELP)
Your living expenses and discretionary spending
Whether your property will be positively or negatively geared
💡 Lune tip: Even with a strong salary, banks want to see that you can manage an additional loan without overextending yourself. We’ll show you what’s doable - and what’s smart.
🧱 Loan Structure Matters — More Than You Think
This is where most first-time investors get stuck. Fixed vs variable, interest-only vs principal + interest, offset accounts - the options can feel endless.
We’ll help you:
Choose a loan structure that suits your investment goals
Maximise cash flow and tax benefits
Build a finance foundation that supports future investments
Because if you’re serious about building wealth, your first investment needs to be strategic, not just serviceable.
🧮 How Much Deposit Do You Really Need?
The myth? You need 20% saved.
The reality? It depends.
If you're leveraging equity from your home or have a smaller deposit and a solid income, we’ll explore:
Lender options for 10–15% deposits
Using existing property equity
LMI (lender’s mortgage insurance) - when it’s worth paying
We’ll run the numbers and show you what fits.
🚫 Common Mistakes First-Time Property Investors Make
Let’s help you avoid the usual traps:
Focusing only on tax savings (hello, negative gearing)
Borrowing to your max without a buffer
Buying emotionally, not strategically
Choosing a loan based purely on interest rate
Your first investment sets the tone for everything that follows. Let’s get it right.
🔍 What Makes Lune Different?
We don’t throw jargon at you. We don’t fear-monger. And we definitely don’t assume you’ve got time to research 30 lenders.
We give you:
Clear options (and clear answers)
Tailored strategies that suit your actual life
Confidence to move forward — whether you're buying now or preparing for later
🎯 Ready to Buy Your First Investment Property?
Whether you're ready to act or just want to explore your numbers, we'll help you move with clarity, not confusion.