Strategic investment lending from brokers with real commercial banking experience. Interest-only options, equity release, and portfolio structuring to help you grow wealth through property.
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Loan structures, tax strategies & portfolio tips
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From your first investment property to a multi-property portfolio, we structure finance to suit your strategy.
Maximise cashflow and tax benefits with interest-only repayments for up to 5–10 years.
Unlock equity in your existing properties to fund your next investment purchase.
Strategic structuring for multiple properties with standalone security options.
Purchase investment property through your Self-Managed Super Fund with LRBA structures.
Finance renovations to increase rental yield and property value.
Flexible access to equity for deposits, renovations, or opportunities as they arise.
Property remains one of Australia's most popular and effective wealth-building strategies.
Property values have historically doubled every 7–10 years in Australia's major markets.
Generate passive income while your tenant helps pay down your mortgage.
Negative gearing and depreciation can significantly reduce your taxable income.
Use the bank's money to control a large asset with a smaller deposit.
The right loan structure can make or break your investment strategy. We help you structure finance for maximum tax efficiency, flexibility, and portfolio growth.
From strategy to settlement, we guide you through every step of the process.
We review your goals, existing portfolio, and borrowing capacity to create a tailored investment finance plan.
We compare 60+ lenders to find the best rate, structure, interest-only options, and features for your situation.
We prepare your application, manage the lender process, and keep you updated every step of the way.
We coordinate settlement and remain your broker for ongoing support as your portfolio grows.
Answers to the questions we get asked most often about investment property finance.
Most lenders require 10–20% deposit for investment properties. Some lenders accept 10% with Lenders Mortgage Insurance (LMI), but 20% avoids the additional LMI cost and typically secures better interest rates. Using equity from an existing property can serve as your deposit.
Interest-only improves cashflow and maximises tax deductions but doesn't build equity. Principal & interest builds equity faster but has higher repayments. Your choice depends on your investment strategy, income situation, and portfolio goals. Many investors use interest-only for the first 5–10 years.
Yes, this is one of the most common strategies. We can help you release equity from your home (up to 80% LVR typically) to use as a deposit on your investment property. This allows you to invest without saving a separate cash deposit.
Cross-collateralisation links multiple properties as security for one loan. While it can help you borrow more, it limits flexibility, complicates future property sales, and gives the bank more control over your portfolio. We typically recommend standalone securities for each property to maintain flexibility.
Yes, investment loan rates are typically 0.2–0.5% higher than owner-occupied rates. Interest-only loans also attract a small premium. Despite the higher rates, property investment can still be highly profitable due to capital growth, rental income, and tax benefits. We'll find you the most competitive rates available.
Most lenders use 80% of expected rental income (called 'shading') when calculating your borrowing capacity. This accounts for potential vacancies and property expenses. Some specialist lenders use higher percentages, which can increase your borrowing power significantly.
Book a strategy session to discuss your investment goals, borrowing capacity, and the best loan structure for your next property.
