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Buying a duplex on one title is treated as standard residential lending with rental income from the second dwelling assessed at 70–80%. Building requires a construction loan with progressive drawdowns.
Yes — this is a common strategy. You occupy one dwelling as your principal residence and rent the other. The rental income can count toward your serviceability. The rented side will have CGT and income tax implications.
NSW requires 600m² total in many councils for a CDC duplex. QLD and VIC also have 600–800m² minimums in standard residential zones. Check local council zoning rules before purchasing a block for duplex development.
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