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Investment Property Loans

Let's build
your property portfolio.

Investment lending is a different game to owner-occupied. We know the structures that work, the lenders who get it, and how to set you up to keep growing, not just for this property, but the next one too.

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Investment property lending, what you actually need to know

Investment loans work differently from owner-occupied loans. The rates are typically higher (though not always, it depends on the lender), the assessment process is more nuanced, and the loan structure can meaningfully affect your tax position and ability to borrow again in the future.

Getting it wrong now can make your next purchase harder. Getting it right can accelerate your portfolio significantly.

Interest Only vs Principal & Interest, which is right for investors?

This is one of the most common questions we get, and the answer depends on your strategy.

Interest Only (IO)
Lower monthly payments, potential tax benefits. You only pay interest, not the principal, so your repayments are lower. This frees up cash flow, and the interest may be tax-deductible against your rental income. IO periods typically last 1–5 years, after which the loan reverts to P&I. IO rates are generally slightly higher. Best for investors focused on cash flow and portfolio growth.
Principal & Interest (P&I)
Building equity faster, lower overall cost. You pay down both the interest and the principal each month, reducing your loan balance over time. P&I rates are usually lower, and you build equity faster. Best for investors with a longer-term hold strategy or those who want to own the property outright eventually.

Many investors use a combination, IO on investment properties to manage cash flow, while paying P&I on their owner-occupied home (where the interest is generally not deductible). We can walk you through the general considerations — your accountant can confirm the right approach for your situation.

Maximising your borrowing capacity

Different lenders assess investment income differently. Some will count 100% of rental income; others apply a shading factor (typically 80%). Some lenders are more favourable to portfolio investors than others. Getting this wrong means you might be approved for less than you should be.

We know which lenders are most generous to investors in your situation, and we structure your application to maximise what you can borrow while keeping your future options open.

Thinking ahead: the next property

One of the biggest mistakes first-time investors make is structuring their first loan in a way that makes the second much harder. Cross-collateralisation is a common culprit, where a lender uses multiple properties as security, which sounds fine until you want to sell one.

We structure investment loans with your growth plan in mind. We prefer standalone securities where possible and work through how each decision may affect your options going forward.

Tax considerations (a note)

Investment property has real tax implications, negative gearing, depreciation schedules, CGT on sale. We're mortgage brokers, not accountants, so for specific tax advice we always recommend talking to a good property accountant. But we work closely with accountants every day and can point you toward someone if you need it.

What we do for property investors

1
Understand your portfolio goals
Are you buying to hold? To develop? To generate yield? Your strategy shapes everything, the lender, the structure, the loan type.
2
Structure the loan correctly from day one
We choose the right lender and structure based on your goals, not just today's rate, but what the loan looks like when you're ready to buy again.
3
Handle the application end to end
We prepare, submit, and manage the whole application, keeping you updated and solving any issues that come up along the way.
4
Keep working with you as your portfolio grows
Many of our clients have bought multiple properties with us. We review your position regularly and let you know when opportunities arise.
Ready to invest?
Whether it's your first investment property or your fifth, let's map out the right structure for your goals.
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We help investors with
  • First investment property
  • Portfolio expansion
  • IO to P&I conversion
  • Refinancing existing investment loans
  • Accessing equity for next purchase
  • SMSF property investment
FAQ

Investment loan questions.

Typically 10–20% of the purchase price, plus costs. Some lenders will go to 90% LVR (10% deposit) for investment properties, though LMI applies. If you have equity in an existing property, you may be able to use that instead of a cash deposit.
Yes, this is one of the most common ways property investors build their portfolio without needing a large cash deposit. We access the equity via a line of credit or a top-up on your existing mortgage. We can walk through how much equity may be accessible and what your repayments could look like, subject to lender assessment.
Usually yes, the difference is typically 0.2–0.6% p.a. But lenders vary significantly, and the right lender for an investor isn't always the one with the lowest rate. Structure, flexibility, and how they assess rental income can matter more. We compare the full picture.
There's no legal limit. The limiting factor is your borrowing capacity, how much the lenders will give you based on your income, existing debts, and portfolio performance. We help clients build portfolios of 5, 10, even 15+ properties by structuring each purchase correctly from the start.
Free investor consultation

Let's map out your
next property move.

Whether you're buying your first investment property or expanding an existing portfolio, we'll help you structure it right from day one.

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