Who this guide is for
Investors purchasing boarding houses or multi-room rental properties for yield — including formal boarding houses (>5 rooms) and informal multi-tenant houses.
- Investors targeting Sydney boarding house yield (typically 7-12%)
- Property owners converting houses to multi-tenant arrangements
- Buyers of registered boarding houses
- Investment portfolio builders adding boarding house yield
The local picture
Boarding houses fall between residential and commercial lending. Most banks decline. Specialist commercial lenders accept them but typically with 30-40% deposit, higher rates, and shorter terms.
How Mortgagefy helps locally
Mortgagefy works with specialist commercial lenders that accept boarding house finance. We identify the right structure for your specific property and investment goals.
Free advice.
How it works — 4 simple steps
Free boarding house chat
20-minute call about the property and your investment plans.
Compare commercial lenders
We identify lenders that accept boarding house structures.
Application support
We compile property details, rental income, business documentation.
Settle the property
You acquire the boarding house with proper finance.
Frequently asked questions
Can I get a residential mortgage for a boarding house?
How much deposit for a boarding house?
What yields do boarding houses generate?
What's the difference between commercial and residential lending for boarding house?
Are halal boarding house loans available?
Talk to us about boarding house finance
Free 20-minute call about your investment plans.
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