Investment Property Loans That Work
Expert investment loan advice to help you build a profitable property portfolio with competitive rates, strategic structuring, and ongoing support.
Property investment can be a powerful wealth-building strategy when done right. Our investment loan specialists help you navigate the complexities of investment property financing, from your first rental property to building a substantial portfolio. We understand the unique requirements of investment loans, including serviceability calculations, rental yield assessments, and tax implications. Our extensive lender panel ensures you get competitive rates, while our expertise helps you structure loans to maximize tax benefits and minimize risk. Whether you're buying established properties, off-the-plan developments, or commercial real estate, we have the knowledge and connections to help you succeed in property investment.
Get Your Investment Property Loans Quote
Fill out the form below and our investment property loans specialists will contact you with a personalized quote and advice.
Key Features
Benefits
Our Investment Loan Process
Our streamlined process makes getting your investment property loans straightforward and stress-free.
Investment Strategy Consultation
We discuss your investment goals, risk tolerance, and growth strategy
30 minutes
Portfolio & Financial Assessment
We review your finances, existing portfolio, and borrowing capacity
1-2 hours
Property & Rental Analysis
We assess the property's investment potential and rental yield
1-2 days
Loan Structure Design
We design the optimal loan structure for tax efficiency and growth
1 day
Loan Comparison
We research and compare loans from our lender panel
1-2 days
Application Lodgement
We prepare and submit your application to the chosen lender
1-3 days
Approval Process
We manage the approval process and liaise with the lender
5-14 days
Settlement
We coordinate settlement and ensure everything runs smoothly
30-60 days
Investment Loan Eligibility
Not sure if you meet the requirements? Get in touch for a free assessment.
Check My EligibilityFrequently Asked Questions
What deposit do I need for an investment property?
Most lenders require a minimum 20% deposit for investment properties to avoid Lenders Mortgage Insurance. However, some lenders may accept 10-15% with LMI. We can help you explore options including using equity from your existing home.
How do lenders assess rental income for serviceability?
Lenders typically assess 75-80% of the expected rental income when calculating serviceability. They may require a rental appraisal or existing lease agreement. We help ensure your rental projections meet lender requirements.
Should I choose interest-only or principal and interest repayments?
Interest-only loans can improve cash flow and may offer tax benefits, but you're not building equity. Principal and interest repayments build wealth over time. We'll help you choose based on your investment strategy and financial situation.
Can I use equity from my home to buy an investment property?
Yes, many investors use equity from their home as a deposit for investment properties. This can be done through refinancing or a line of credit. We'll help structure this to minimize costs and maximize tax benefits.
What are the tax benefits of investment property loans?
Loan interest, property management fees, maintenance costs, and depreciation are generally tax-deductible. Negative gearing can reduce your taxable income. We recommend consulting with a qualified accountant for specific tax advice.
How many investment properties can I own?
There's no legal limit, but lenders have serviceability requirements. Most investors can comfortably manage 3-6 properties depending on their income, existing debt, and the properties' performance. We help plan sustainable portfolio growth.
Have more questions? Our experts are here to help.
Ask Our ExpertsRelated Services
First Home Buyer
Expert guidance for your first property purchase with access to government schemes and grants.
Key Features:
- ✓First Home Owner Grant assistance
- ✓First Home Loan Deposit Scheme access
- ✓Low deposit options (as low as 5%)
- +5 more features
Next Home Buyer
Upgrade to your next home with expert guidance on bridging finance and property transitions.
Key Features:
- ✓Bridging finance solutions
- ✓Buy before sell strategies
- ✓Property transition planning
- +5 more features
Construction Loans
Finance your dream home build with flexible construction loan solutions.
Key Features:
- ✓Progress payment scheduling
- ✓Land and construction packages
- ✓Owner-builder solutions
- +5 more features
Ready to Build Your Property Portfolio?
Speak with our investment loan specialists about competitive rates, tax-effective structures, and strategies to grow your property investments.