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Lending that's structured for the next purchase.

Whether it's your first investment property or your fifth, the structure of your lending matters as much as the rate. We assess suitable credit options for your circumstances. Future borrowing depends on lender assessment and cannot be assured.

Your complete financial situation will need to be assessed before acceptance of any proposal or product. Lender criteria, terms, fees and charges apply.

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Investment Loans

Think portfolio, not just property.

Plenty of investors get a sharp rate on their first investment loan but a structure that strangles their borrowing power for the second. The lenders you use, the order you use them in, how your loans are secured, and whether you pay interest-only or principal-and-interest, these decisions compound across a portfolio.

We look at where you're trying to get to, not just the purchase in front of you. That means structuring to understand your security options, avoiding cross-collateralisation where it doesn't serve you, and knowing which lenders assess existing debts and rental income most favourably when it's time to buy again.

Lenders assess rental income and existing debts differently. We compare suitable lending options from our panel. Property investment and tax advice should come from appropriately qualified advisers.

Why it works

The broker advantage for investors

Structure First

We assess loan features and security arrangements against your current needs. Further borrowing depends on your future circumstances and lender criteria.

Serviceability Know-How

Each lender treats rental income, negative gearing and existing debt differently. We review lender criteria before discussing suitable credit options.

Numbers You Can Act On

Repayments, yields, holding costs, we model the real cash position of a purchase so you can make decisions with your eyes open.

Run the numbers

Investment repayment & yield calculator

Estimate loan repayments and gross rental yield on a potential purchase.

Planning tool only. Any pre-filled figures are hypothetical assumptions, not advertised lender rates, quotes or offers. Change the inputs to reflect your circumstances. Results exclude costs described below.

Loan amount
$640,000
Interest-only repayment
$3,253 /mo
P&I repayment (30 yrs)
$3,878 /mo
Gross rental yield
4.23%

Estimates only. Gross yield is annual rent divided by purchase price and ignores costs such as rates, management fees, insurance, maintenance and vacancy. Repayments assume a constant rate. Results do not constitute credit advice or an offer of finance, and your eligibility depends on a full assessment of your circumstances. Talk to us for figures based on your actual situation.

Common questions

Investment Loans FAQs

How much deposit do I need for an investment property?
Most lenders want at least 10 to 20% for investment purchases, with the sharpest rates above 20%. Many investors don't use cash at all, they release usable equity from their existing home to cover the deposit and costs. We can calculate your usable equity and show you how far it goes.
Should I pay interest-only or principal-and-interest?
Interest-only repayments may be lower during the interest-only period, but the principal does not reduce. Repayments usually increase when that period ends, and total interest may be higher. We compare repayment options. Seek tax advice from your accountant.
What is cross-collateralisation and why does it matter?
It's when one loan is secured by two or more properties. It can seem convenient, but it hands the lender control over your whole portfolio, complicating future sales, refinances and equity releases. We generally structure loans as stand-alone wherever possible.
Can I use equity in my home to buy an investment property?
Usually, yes. Most lenders let you borrow against your home up to 80% of its value (sometimes more) and use those funds as the deposit on an investment purchase. Done properly, you can acquire an investment property with no cash savings at all, we'll structure it so the borrowing is clean and trackable.
How do lenders treat rental income when assessing me?
Lenders may discount rental income to allow for vacancy and costs. The percentage and evidence required vary. We review suitable lender criteria using your income, commitments and property details.

Let's build your portfolio plan.

Tell us where you're at and where you want to get to, we'll come back with a lending structure to match.

Get StartedCall 0426 299 702
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Your information is kept confidential and used only to respond to your enquiry, as described in our Privacy policy. Daniel Toukan, Credit Representative Number 577748, is authorised under Australian Credit Licence 384324 held by Outsource Financial Pty Ltd.

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