Investment Property Loans
Building wealth through property requires Clarity on structure, Comfort in cash flow, and Confidence in strategy.
We help investors make informed decisions for long-term success—from your first investment to a growing portfolio.
Investment Loan Features
Investment loans offer different features than owner-occupied loans. Here's what matters for investors.
Interest-Only Options
Maximize cash flow with interest-only periods up to 5 years. Lower repayments while you grow your portfolio.
Equity Access
Release equity from existing properties to fund your next purchase. Grow your portfolio without new savings.
Portfolio Structuring
Smart loan structures that protect your assets and optimize tax efficiency. Separate loans for each property.
Line of Credit
Flexible access to your equity when opportunities arise. Only pay interest on what you use.
Where Are You On Your Journey?
First Investment Property
Getting started with your first investment? We'll help you understand borrowing capacity, rental yields, and structuring.
- Equity release from your home
- Loan structure advice
- Rental yield assessment
- Negative vs positive gearing
Growing Your Portfolio
Ready to scale? Strategic structuring becomes crucial as your portfolio grows. We optimize for flexibility and growth.
- Portfolio review
- Cross-collateralization advice
- Buffer and offset strategies
- Lender diversification
High LVR Investing
Limited deposit? Some lenders offer higher LVR options for investment properties. We know which ones.
- 90% LVR options
- LMI capitalization
- Guarantor options
- Deposit strategies
Key Considerations for Investors
Loan Structure Matters
How you structure your investment loans impacts tax deductions, asset protection, and future borrowing capacity. We help you get it right from the start.
- Separate loans per property
- Avoid cross-collateralization
- Offset accounts for owner-occupied
Serviceability & Buffers
Lenders assess investment loans with higher buffers. Rental income is typically shaded to 80%. Understanding this helps plan your portfolio growth.
- Rental income shading
- Buffer rate requirements
- Portfolio impact assessment
Investment Property Deposits
Investment properties typically require larger deposits than owner-occupied homes.
Minimum Deposit
LMI applies. Limited lender options.
Recommended
Avoid LMI. Best rate options.
Alternative Option
Use equity from existing property.
Investment Loan FAQs
How much equity do I need to buy an investment property?
To borrow against your home's equity, most lenders require you to maintain at least 20% equity in your existing property after the release. We can calculate your usable equity.
Should I use interest-only or principal & interest?
It depends on your strategy. Interest-only maximizes cash flow but you're not paying down debt. P&I builds equity faster. We discuss what suits your goals.
What is cross-collateralization and why avoid it?
Cross-collateralization is when multiple properties secure a single loan. It can limit your flexibility and complicate future sales or refinancing. We typically recommend avoiding it.
Can rental income help me borrow more?
Yes, but lenders typically only count 80% of rental income when assessing serviceability. They also factor in vacancy rates and property expenses.
Ready to Grow Your Portfolio?
Book a strategy session to discuss your investment goals and explore financing options.
J2C responds within 2 hours during business hours