Investment Property
Build your property portfolio
Whether you're buying your first investment property or expanding your portfolio, the right loan structure makes all the difference. We'll help you maximise borrowing power and optimise cash flow.
Portfolio growth
Structure your loans correctly to maximise borrowing capacity and build your portfolio faster.
Tax benefits
Investment loans can offer tax advantages. We'll help you structure your finances effectively.
Interest-only options
Improve cash flow with interest-only periods while your property (ideally) grows in value.
Equity leverage
Use equity in existing properties to fund deposits for new investments without touching savings.
Loan Options
Investment loan types
Different loan structures suit different strategies. We'll help you choose the right option for your situation.
Principal & Interest
Pay down the loan over time. Lower interest costs overall, builds equity faster.
Interest Only
Only pay interest for a set period (usually 1-5 years). Lower repayments, better cash flow.
Line of Credit
Flexible access to equity. Draw down and repay as needed, only pay interest on what you use.
Fixed Rate
Lock in your rate for certainty. Protects against rate rises but less flexible.
Things to Consider
Investment property considerations
Loan structure
- Keep investment debt separate from personal debt
- Consider cross-collateralisation implications
- Interest-only vs principal & interest trade-offs
Deposit & equity
- Typically need 10-20% deposit for investment loans
- Can use equity from existing properties
- LMI applies if borrowing more than 80% LVR
Cash flow
- Factor in vacancy periods and maintenance costs
- Consider interest rate buffer for rate rises
- Rental income assessment varies by lender
Tax implications
- Interest on investment loans is typically tax deductible
- Negative gearing can offset other income
- Consult your accountant for specific advice
How We Help
Investment property specialists
We understand the unique needs of property investors. From structuring your first investment loan to managing a multi-property portfolio, we provide expert guidance at every stage.
- Assess your borrowing capacity across multiple lenders
- Structure loans to maximise tax efficiency and cash flow
- Leverage equity in existing properties for new purchases
- Compare interest-only and principal & interest options
- Ongoing support as your portfolio grows
Did you know?
Lender policies vary significantly for investors
Some lenders are more investor-friendly than others. Assessment of rental income, acceptable LVRs, and interest-only terms all vary. We know which lenders suit which situations.
Ready to invest?
Let's discuss your investment strategy
Book a free consultation and we'll help you structure your next property purchase.