Home and income
A home and income is a property with a second self-contained dwelling — you live in one and rent the other, offsetting your mortgage.
It's a classic first-investment strategy: owner-occupier lending terms (lower deposit than an investment purchase) with rental income helping servicing. Check the second dwelling is consented — unconsented units can't legally be rented, aren't counted by banks, and create insurance gaps. Related: minor dwellings.
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