Ready to Invest
In a New Build?

Access negative gearing
on your next property

Unlock Wealth & Tax Savings with a New Build.

Building long-term wealth through property doesn’t have to mean taking on the full financial load alone. Investing in a brand-new build allows you to maximise tax advantages like negative gearing and depreciation, keeping more money in your pocket while growing your portfolio.

At Lendable, we make securing the right investment finance simple, fast, and tailored to your strategy.

  • BETTER LENDING WITH LENDABLE

Why Choose a New Build Investment?

  • Maximised Negative Gearing: Offset property expenses and loan interest against your taxable income to optimize your end-of-year tax position.

  • Higher Depreciation Benefits: Claim substantial tax deductions on brand-new fixtures, fittings, and construction costs from day one.
  • Lower Ongoing Costs: Enjoy minimal maintenance, builder warranties, and strong tenant demand for modern, energy-efficient homes.
  • Smart Construction Finance: We structure progressive draw-down loans so you only pay interest on funds as they are drawn during the build.

  • BETTER LENDING WITH LENDABLE

How Lendable Helps You Win

  • Tailored Investment Structuring: We align your loan structure with your broader tax and wealth strategy.
  • Access to Top Lenders: We compare hundreds of loan products across leading banks and specialist lenders to find competitive rates.
  • End-to-End Support: From initial borrowing capacity checks to final build completion, we manage the paperwork so you can focus on finding the right property.

From ‘Maybe One Day’ to ‘Moving Day’ in 4 Steps


Get Your Real Number

Forget generic calculators, we’ll assess your borrowing power based on the 2026 lending landscape. No impact on your credit score, just total clarity on what you can afford.


Choose Your Strategy

Whether you’re eyeing a 5% deposit with no LMI, planning a ‘buy with a mate’ setup, or looking to rent-vest, we’ll show you the products that fit your specific goals.


The Digital Fast-Track

Upload docs from your phone and skip the branch visits. Our tech-first approach means we’ll process your application in no time.


Lock in Your Future

Once pre-approved, you’re ready to shop with confidence. We’ll handle the heavy lifting with the banks so you can focus on where the furniture is going.

Ready to Unlock Your Equity?

FAQ’s

Frequently Asked Questions

How does negative gearing work on a new build investment?

Negative gearing occurs when the rental income generated by your property is less than the ongoing deductible expenses (such as loan interest, rates, and management fees). You can deduct this net loss from your personal taxable income, effectively reducing the overall tax you pay.

New property builds allow investors to claim tax depreciation on both the building structure (capital works) and internal assets (plant and equipment, such as appliances, carpets, and blinds). Older properties often have restricted or lower plant and equipment depreciation claims due to tax rule changes.

Unlike a standard mortgage where the full loan amount is disbursed at once, a construction loan pays the builder in stages (progress payments) as key phases are completed. During the build, you only pay interest on the amount drawn down so far, keeping holding costs lower until the property is completed and rented.

Yes. Lendable works with you to structure your loan product, repayment schedule, and features (such as interest-only repayments or offset accounts) to align with your personal cash flow requirements and financial plan.

We pride ourselves on transparency – we get paid by the banks so we don’t charge you a cent for using our services. Any government fees, stamp duty, or standard bank charges will be laid out clearly before you sign anything. Our goal is to save you money (like that $15k+ LMI fee), not add to your stress.

Why Choose Lendable For Your New Build Investment?


We Think Outside the Box

If the traditional route doesn’t work for you, we lean into creative strategies to find a lender hungry for your business.


No Bank Jargon

We break down every rate, high-LVR fee, and feature upfront so you know exactly what your commitments are.


We Move Fast

The property market doesn’t wait, and neither do we. We’ll assess your real borrowing power in minutes.

Client Reviews

Buying a home is one of the biggest financial moves you’ll ever make, and we’re committed to making the process simple, strategic, and stress-free. From first home buyers getting into the market sooner to investors growing their portfolios with confidence, our clients’ reviews reflect what we stand for: clear advice, genuine support, and brokers who go the extra mile to make things happen.

More banks for your buck.

Better rates, not just from the Big Four. When it comes to your home loan, loyalty rarely pays. Sticking with the big household names usually means paying a “convenience tax” in the form of higher interest rates and rigid rules. We look beyond the usual suspects to connect you with a network of agile, secondary lenders. These guys are hungry for your business, which means sharper rates, lower fees, and flexible options tailored to real life – not just corporate checkboxes. Let us do the digging while you reap the rewards.

Ready to Build Your Portfolio? 

Calculate your borrowing power, explore tax-effective loan structures, and start your next property journey with confidence.