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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 set it up so your portfolio can keep growing.

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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 protect your usable equity, 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.

Different lenders can differ by hundreds of thousands of dollars in what they'll lend the same investor. Knowing who calculates serviceability generously, and who doesn't, is one of the most valuable things a broker brings to an investment strategy.

Why it works

The broker advantage for investors

Structure First

We plan your lending around your next two purchases, not just this one, keeping equity accessible and your borrowing capacity alive.

Serviceability Know-How

Each lender treats rental income, negative gearing and existing debt differently. We know who will lend what, so you don't waste applications.

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.

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 maximises cash flow and keeps deductible debt intact, which suits many investors, but rates are usually slightly higher and the loan doesn't shrink. P&I builds equity and usually prices lower. The right answer depends on your cash flow, tax position and strategy; we'll model both, and your accountant can advise on the tax side.
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?
Most lenders count 70 to 90% of expected rent toward your income, to allow for vacancy and costs, but the percentage and method vary a lot between lenders, and that variation can change your borrowing power by six figures. This is exactly where access to 35+ lenders pays off.

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.

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Get in touch

Start your enquiry.

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