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Property Investment Finance: The Criteria for Genuine Savings

Property investment finance can help you savings grow

When you apply for property investment finance, most major Australian lending institutions will require you to contribute a portion of the balance of the purchase price as ‘genuine savings’ – especially if contributing the minimum amount of deposit required for investment property financing. This is usually between 5% and 10% of the property’s valuation. Each lending institution has a different set of rules and criteria for investment property finance but your genuine savings can generally be a mixture of any of the following investment property finance options:

  • Savings held or accumulated over three months or more;
  • Cash or a term deposit held for three months or more;
  • Shares or managed funds held for three months or more;
  • A gift held for three months or more;
  • Equity in real estate (varies depending on the lender);
  • Inheritance held for three months or more;
  • If you have been renting for three months or more some exemptions may apply depending on the lender.

For more information on what genuine savings are, what is exempt, your obligations and why genuine savings are important when applying for property investment finance, see our full article, Investment Finance: the Criteria for Genuine Savings.

Want know more about your investment property finance options? Contact our team of Property Investment Specialists today.


Jeff Miller

Chief Financial Officer, ABN Group
With over 20 years of finance experience, Jeff commenced as the Group Accountant for the ABN Group in 1991. Today, Jeff is responsible for the management of all financial affairs of all operating companies within the ABN Group. He is also on the Board of Trustees for several national charities including the ABN Foundation, Heart and Lung Transplant Foundation of WA, and is a Founding Trustee for WA Charity Direct.