Negative gearing & cash flow are NOT the same. A property can be negatively geared but still be cash flow positive. This is one of the basic principals that most of our clients fail to understand. We highly recommend speaking to an accountant from day one. Not because it makes our life easier. Because it gives you greater understand of where your money is going and to help you make smarter investment choices.
Wealth Through Property
Building wealth through property is an age old technique. At 2K Finance, we don’t just do home loans—we help clients build strategic property portfolios designed for long-term wealth.
Read about how our licensee holder build his portfolio to live mortgage free in 7 years.
Whether you’re buying your first investment or expanding an existing portfolio, the right loan structure can make all the difference. From unlocking equity to optimising your cash flow and reducing tax liabilities, we work closely with you (and your accountant) to create a finance strategy that grows with your goals.
Our focus is on scalability, sustainability, and smart structuring—so you can keep moving forward without hitting borrowing roadblocks.
Unique Strategies
Using interest only repayments to increase cash flow
This won't reduce loan principal & typically has lower borrowing capacity
Using 40 year interest only loan terms
Only offered by 1 lender currently
Using different lendes for each property
Different lenders have different policies that may suite a particular purchase better. There is no requirement to keep all properties with 1 lender
Purchasing with a low deposit using an LMI waiver based on your career
Include commercial pilots, chiropractors, physiotherapists, accountants, lawyers, nurses, doctors, veterinarians, allied health professionals, pharmacists, financial analysts, police officers, firefighters, paramedics & teachers
Utilising different entities such as personal, trust & SMSF trusts
Helpful as some lenders allow us to exclude liabilities for entities trading profitably - ultimate allowing for greater borrowing potential
AirBNB income
AirBNB is a rising income source but not all lenders will accept this income.
Owner Occupied First
Early investors may choose to purchase and live in their first property to claim the first home buyer benefits prior to converting it to an investment property.. This typically means a lower deposit needed & a great way to start your journey.
Private lending
Private lending is handy for quick projects where you may want to flip a home or need extra money for building works. Sometimes no financial are required for these projects.
Properties owned by investors
|
Number of Investment Properties
|
Percentage Of Investors
|
|---|---|
|
1
|
71.48%
|
|
2
|
18/86%
|
|
3
|
5.81%
|
|
4
|
2.11%
|
|
5
|
0.87%
|
|
6+
|
0.89% (19,920 People)
|
Based on 2020-21 Financial Year
Why a Tax Accountant is Essential to Your Property Strategy
While we’re here to guide you through your home loan journey, when it comes to tax matters—like capital gains, investment property deductions, or the 6-Year Rule—we always recommend speaking to a qualified tax accountant.
At 2K Finance, we’re focused on helping our clients build long-term wealth through property. If your goal is to grow a large portfolio, having the right financial team in place is crucial—and an experienced accountant is a must.
A good property-focused accountant can help you:
Structure your loans and ownership to maximise tax benefits
Plan for capital gains events and use exemptions wisely
Identify legitimate deductions and boost your cash flow
Stay compliant and avoid costly mistakes as your portfolio grows
- Set-up trust and company structures along with SMSF trust
We work closely with a network of trusted accountants who understand investment strategies and long-term portfolio growth.
📞 If you’d like an introduction, we’re happy to connect you with someone who can support your financial goals.
6 Year Rule Explained
If you move out of your home and decide to rent it out, the 6-Year Rule could help you avoid paying Capital Gains Tax (CGT) when you sell it later.
Here’s how it works:
If the property was your main residence (your home) before you started renting it out, you can treat it as your main residence for up to 6 years after moving out.
This means you won’t pay CGT on any profit you make from selling the property, as long as you sell it within that 6-year window
Key conditions:
You must have lived in the property first (it can’t have been an investment from the start).
You can’t claim another property as your main residence during the same time (unless you’re only overlapping for up to 6 months between homes).
Not tax advice. Speak to a qualified accountant to confirm how the 6-year-rule can apply to you.
Common Myths
Though you can build a portfolio without an accountant, our strongest client portfolios were build hand in hand with a strong team which included ourself, the client & their accountant. This includes portfolios of 5+ investment properties held throughout personal names, trusts and SMSF Trusts. We strongly recommend using an accountant as in the long term the value they bring often out ways the cost. We work hand in hand with your chosen accountant, or have a network of accountants to choose from.
Usually the cheapest rate lenders are not going to be the lenders providing the highest borrowing capacity. There are some large banks such as Macquarie Bank & Westpac who have policies better suited to investors. Though they don't have the cheapest rates and fees, the generally allow clients to borrow more funds to be able to scale their portfolio quicker.
Not necessarily. It depends on what your long-term goal is. We have some clients who purchase apartments to use as AirBNB rentals. Because they generally have a lower cost and are located in central location, our clients are able to have strong cash flow with these properties, providing strong cash surpluses from day one. However, apartments statistically don't have a high capital growth. Therefore apartments may be a good strategy for someone seeking strong cash flow but not concerned about capital growth.
Circumstances change often, especially if you are new to investing. But not having some sort of idea about an exit strategy for a property may cost you in the long term. Will you sell the property, will you pass the property to your children, is a trust or personal name set-up more appropriate, will you flip the property, etc. These are all important questions to ask and have some sort of understanding to help save you once you decide to exit on a property.
Not at all. Many of our clients own over 4 investment properties before the age of 30 and with children. Our directed owned 3 by the age of 26 only working a full-time job. All it comes down to is understanding your situation and your goals and creating a realistic plan to achieve this.
To start investing you only need a mindset and vision. Even if you are not currently in a position to do so, we can help and prepare you to get in a position to begin your property portfolio journey.
You are purchasing an INVESTMENT. As with all investments, there are profits as well as losses. Though historically property prices do increase, there is no guarantee that there are profits to be made. The costs of maintaining investment properties should also be considered.
This is property specific. Sometimes, by the time you save a deposit to avoid LMI, the property may have increased in value. Meaning, though you thought you saved on LMI costs, you really lost more in the opportunity loss on the increase in property value.
These are terms that have become common in recent times. Rentvesting and debt recycling are terms for age old techniques investors use. We recommend, instead of listening to latest trends, get strong sound advise from qualified professionals to help you reach your goal.
Absolutely not! Some of our happiest clients simply purchase their owner occupied home, pay it down quickly and carry on with their lives. There is no reason to build an investment portfolio, but should you choose to do so we can help.
Copyright © 2025 2K Finance – Residential Mortgage Specialist | 2K Finance Credit Representative Number 549574 to Australian Credit Licence 377294. Information is general and non-specific to any individual. Always seek advice from a financial advisor.