Interest rates are the single most influential external factor in Australian property investment. A 0.25% rate rise on a $600,000 interest-only investment loan adds $125/month to repayments. Across a portfolio of three properties, a 1% rise can add $18,000/year in holding costs.
Monthly Repayment Change per 0.25% Rate Move (IO)
$400K loan+$83/month
$600K loan+$125/month
$800K loan+$167/month
3×$600K portfolio (+1%)+$1,500/month
One Property at a time
Brick by Brick 🧱
General Advice Warning: This article is general in nature and does not constitute personal financial advice. Please consult a licensed financial adviser before making investment decisions.
