Investment property loan support for growing your portfolio
Compare investment loan structures, equity access, repayment options and lender policy so your finance supports both cash flow and long-term portfolio plans.
Investment Loan Strategies
Negative Gearing
Tax outcomes should be discussed with your accountant. From a lending perspective, we help compare structures that support cash flow, repayment comfort and future borrowing plans.
Capital Growth Strategy
We focus on finance structure rather than property advice: deposit source, equity use, loan features and repayment type all affect how comfortably you can hold an investment.
Cash Flow Management
Offset accounts, redraw facilities and split loans can affect cash flow and flexibility. We explain the feature trade-offs before you apply.
Portfolio Expansion
Already hold property? We review your portfolio position, assess serviceability across all loans and help you understand whether existing equity may support a further purchase.
Non-Bank Lenders
Self-employed, complex income or an unusual property type? We work with both major banks and non-bank lenders whose policies may better suit non-standard situations.
Common questions about investment property loans
Lenders usually assess rental income, existing debts, living expenses, deposit or equity, property type and your overall serviceability.
Interest-only can support cash flow for some investors, but it may cost more over time. The right structure depends on your strategy and risk tolerance.
Potentially. Lenders will assess available equity, valuation, income and your ability to service the larger debt before approving funds.
Many lenders look for a deposit of around 10 to 20 per cent plus purchase costs, although requirements vary with lender policy, property type and your overall position. Equity in another property may reduce the cash required.
Usually not. Many lenders assess only a portion of expected rental income — often around 70 to 90 per cent — to allow for vacancies and holding costs. Policies differ between lenders.
Ready to compare investment loan options?
We help you review lender fit, equity use and repayment structure for your next property move.