The right loan structure makes all the difference.
Investment property financing isn't just about rate. It's about structure, tax efficiency, and positioning yourself to buy again. We think beyond the first property.
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Discuss Your Investment Strategy07 4599 4601Who this is for
We work with first-time investors buying their first investment property, experienced investors growing their portfolios, and homeowners looking to leverage equity to purchase an investment. We work alongside your accountant or financial planner.
- First-time investors buying their first investment property
- Experienced property investors adding to their portfolio
- Homeowners using equity to purchase an investment
- Investors wanting to restructure existing loans for better tax outcomes
- SMSF borrowers (we have access to SMSF-specific lenders)
What's included
- Interest-only loan options for tax-efficient cash flow
- Equity release to fund investment property deposit
- Cross-collateralisation vs standalone loan structuring advice
- Access to investor-specific products from specialist lenders
- Portfolio lending structure for multiple properties
- SMSF property loan access where applicable
How it works: step by step
Investment Strategy Session
We discuss your investment goals, current financial position, and how property fits into your wealth strategy. This shapes how we structure your loan.
Equity & Borrowing Assessment
We calculate your usable equity, borrowing capacity, and optimal loan structure across your entire portfolio, not just this one loan.
Lender Selection
Not all lenders treat investors equally. We select from our panel based on their investor-specific policies, rates, and assessment methods.
Structuring for Tax Efficiency
We structure the loan to maximise deductibility and keep investment and personal debt clearly separated. Work closely with your accountant on this step.
Approval & Settlement
We manage approval and settlement, coordinating with your accountant, buyer's agent, and conveyancer as required.
Eligibility at a glance
Eligibility varies by lender. Don't let these criteria put you off: we often find solutions that aren't obvious upfront.
- Sufficient equity or savings for deposit (typically 10–20%)
- Stable income with demonstrated ability to service both owner-occupier and investment loans
- Clean credit history
- Investment property in an acceptable location and condition
- SMSF borrowers require additional documentation and a corporate trustee
Common questions
Should I use equity from my home as the investment deposit?
Using home equity is a popular strategy and avoids needing to save a separate cash deposit. However, it increases the debt against your home and changes the loan structure. We'll show you both approaches and which suits your situation.
Is interest-only better for investment loans?
Interest-only payments reduce your cash outflow (important for negatively geared properties) and keep your loan interest fully deductible. However, you're not building equity as quickly. The right answer depends on your cash flow, tax position, and investment goals. Discuss with your accountant.
Can I have multiple investment loans?
Yes. Many of our clients own 2–5 investment properties. We structure each loan optimally and ensure the overall portfolio is in good shape for when you want to buy property number 3, 4, or 5.
Ready to get started with Investment Loans?
Book a free consultation. We'll assess your situation and show you the best options across our 60+ lender panel.