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Investment loans · structure matters

Investment Property Loans

An investment loan is a structuring decision as much as a rate decision. We look at how the loan sits against your other borrowing, not just what it costs this year.

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Investment loans

Investment Property Loans — how it works

Investors get caught by two things: cross-collateralisation that ties properties together unnecessarily, and a structure that makes the next purchase harder than it needed to be. Both are avoidable at the outset and awkward to unwind later.

We are finance brokers, not tax or financial advisers. Whether a property suits your circumstances, and how it is treated for tax, are questions for your accountant — we will work alongside them on the lending.

What we look at

What you get from a broker here

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Structure for the next purchase

How this loan is set up affects whether there is a next one.

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Avoiding unnecessary cross-security

Keeping properties separate preserves options later.

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Interest-only, considered

Common for investors and not automatically right. We set out the trade-off.

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Rental income assessed properly

Lenders shade rental income differently. It changes what you can borrow.

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Equity release for a deposit

Drawing on an existing property to fund the next deposit, where the numbers support it.

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Working with your accountant

We handle the lending and stay in our lane on the tax.

The process

Four steps, start to settlement

Map the portfolio

What you own, what you owe and how it is secured.

Set the structure

Before choosing a product, decide how it should sit.

Compare the panel

Investor pricing and policy varies widely between lenders.

Lodge and settle

Application, valuation and settlement managed.

Before you start

What we will need from you

Photo ID
Payslips or two years of returns
Statements for existing loans
Lease or rental appraisal for the property
Recent rates and insurance notices for properties you already own

Not sure you have all of it? Start anyway — we will tell you what is actually needed for your situation rather than asking for everything.

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FAQ

Investment Property Loans — your questions

Is interest-only better for an investment loan?

It improves cash flow now and costs more over the life of the loan, and many investors use it for that reason. Whether it suits you is partly a tax question for your accountant. We will show the repayment difference plainly.

What is cross-collateralisation and why avoid it?

It is when one lender takes security over more than one of your properties. It can be convenient and it reduces your flexibility — selling one property or moving one loan becomes the lender’s decision as much as yours. Sometimes it is unavoidable; it should always be deliberate.

How do lenders treat rental income?

Most count only a portion — commonly around 70 to 80 per cent — to allow for vacancy and costs, and the exact treatment varies. It is one of the bigger differences between lenders for investors.

Can I use equity in my home as the deposit?

Often, yes, if there is sufficient equity and your income supports both loans. We would usually structure it as a separate split rather than blending it into the existing loan.

Do you give tax or investment advice?

No. We arrange the finance. Negative gearing, depreciation, ownership structures and whether an investment suits you are for your accountant or financial adviser.

Investment Property Loans — see your real options

Free to you for most home loans, no obligation, and no branch visit.