Investment property loans

Who this is for

• You're buying your first investment property and want the structure right from day one.
• You already own and want to use equity for the next purchase.
• Your current lender has tightened and you want to know who's lending to investors now.
• You and your accountant want the loan structured to match your tax position.

How the process works

1. We look at the whole position. Existing lending, equity, income, and what you're trying to build — not just this one purchase.
2. We plan the structure. Loan splits, offsets, interest-only versus principal-and-interest, and how this purchase affects the next one. We work alongside your accountant where relevant.
3. We pick the lender for your situation. Investor lending policy differs widely between lenders — serviceability treatment, rental income assessment, and appetite all vary.
4. We manage approval to settlement. And keep the structure documented so refinancing or the next purchase is easier.

What a broker does that a bank doesn’t

• Lenders assess rental income and existing debt differently — the same application can fail at one lender and pass at another. We know which is which before applying.
• We structure lending across multiple properties and lenders deliberately, rather than defaulting everything to one bank.
• We think about your next purchase, not just this one — how you set this loan up affects what you can do later.
• We coordinate with your accountant so the loan structure matches your tax advice, rather than working against it.

Structure before rate

Investor lending is the segment where a slightly sharper rate matters least and structure matters most. How the loans are split, where the offset sits, whether the lending is spread across lenders or concentrated with one, which property secures which loan — these decisions echo through every later purchase, your tax position, and how much of your equity is actually usable.

The classic trap is cross-collateralisation: one lender holding several of your properties as security for everything. It feels convenient and it usually happens by default, not by decision. It also hands the lender control — revaluations, sale proceeds, and future borrowing all run through their consent. Standalone loans against standalone securities keep your options where they belong. If your lending has already drifted into this shape, untangling it is a normal part of a refinance conversation.

None of this is tax advice — it's loan architecture. We coordinate with your accountant so the structure follows the advice you're already getting, rather than contradicting it.

How lenders read rental income

No lender counts every rental dollar. Each applies a discount to cover vacancies and costs, each treats negative gearing differently in serviceability, and appetite for investors shifts with regulatory settings. The same portfolio can be a comfortable approval at one lender and a decline at another — not because the portfolio changed, but because the assessment rules did.

That spread is the whole argument for comparison in investor lending. Before any application, we run your position through the policies that matter — existing debt treatment, rental shading, assessment-rate buffers — and apply where the answer is already yes. Our borrowing power calculator shows the mechanics of how assessment works, and a conversation applies them to your actual portfolio.

Interest-only, weighed properly

Interest-only lending has a legitimate place in investment strategy: it maximises cash flow while your capital works elsewhere, and it can align with tax advice about which debt to pay down first. It also costs more over the loan's life, prices differently, and eventually expires into higher principal-and-interest repayments that your serviceability has to survive.

The honest framing is that interest-only is a cash-flow tool, not a discount. We model the repayment cliff at the end of the interest-only period before you commit, so the structure serves the strategy rather than deferring a problem.