On a non-property front, if you haven’t already join an IT contract management company such as Consultants Exchange (www.cxc.com.au). They take around a 4.5% cut of your invoioce value, but you more than make this back as you don’t pay payroll tax. Because you are technically listed as a permanent employee of one of their holding companies it is much easier to get a loan. Most of these sort of companies also offer additional services such as salary sacrifice for car leases etc. The way I’m structured the recruitment company I got the job through takes a cut (unavoidable), then cxc takes an additional cut, however by going through them I avoid payroll tax, I’m listed as a permanent employee, and they manage my pay/super/salary sacrifice arrangements.