Service
Investment Property Loans — structured for the portfolio you want
The right investment loan does more than fund a purchase: it protects your borrowing capacity for the next one. We structure investment property loans across lenders — interest-only versus principal and interest, offsets, ownership structures, cross-collateralisation avoided — so your portfolio can keep growing.
What you get
A smarter path to your investment loans
- Protect future borrowing capacity. We consider lender servicing rules and portfolio exposure so today's purchase does not unnecessarily limit the next one.
- Use equity carefully. Available equity can help fund a deposit and costs while keeping each property's lending clearly separated.
- Compare repayment structures. We model principal-and-interest and interest-only options against cashflow, total interest and your investment timeline.
Investment Loans — common questions
- How much deposit do I need for an investment property?
- Most lenders look for 10–20% plus costs, and equity in an existing property can often be used instead of cash. Above 80% LVR, lenders' mortgage insurance usually applies.
- Is interest only better for an investment loan?
- Interest only can improve short-term cashflow and is common for investors, but it costs more over the life of the loan. We model both against your goals before recommending a structure.
- Can I use equity to buy an investment property?
- Usually yes. Releasing usable equity from your home or an existing investment is one of the most common ways Australians fund the next purchase — we'll show what your equity supports.
Not sure which loan fits? Compare our best finance options guide or run the numbers with our finance calculators.