Investment Property Loans

Build wealth through property with expert investment loan advice. We understand investors and structure your finance to maximise after-tax returns.

Finance Strategies for Property Investors

Whether you're buying your first investment property or expanding an existing portfolio, the right loan structure can make a significant difference to your returns and tax position.

We work with property investors at all stages β€” from single investment properties to multi-property portfolios β€” and have the expertise to structure your finance correctly from the start.

Interest-only vs. principal & interest structuring
Using equity from existing properties to grow your portfolio
Negative gearing and tax deductibility advice
SMSF lending for property investment
Cross-collateralisation risks and how to avoid them
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Investment Loan Options

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Interest Only Loans

Keep your repayments lower and maximise cash flow on your investment properties with interest-only periods.

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Portfolio Lending

We help you structure multiple properties efficiently, avoiding cross-collateralisation and maintaining flexibility.

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Equity Release

Leverage the equity in your existing properties to fund deposits or renovations on new investments.

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SMSF Loans

Purchase investment properties within your self-managed super fund with specialist SMSF lending advice.

Investment Loan Questions

What deposit do I need for an investment property? +
Investment loans typically require a minimum 10–20% deposit. However, if you have equity in your existing home, you may be able to use that instead of a cash deposit. Contact us to explore your options.
Should I choose interest-only or principal & interest? +
This depends on your cash flow goals and tax situation. Interest-only loans give you lower repayments and maximise tax deductions but don't reduce your loan balance. We recommend discussing this with your accountant β€” we can work together with them.
Can I use my home equity to buy an investment property? +
Yes β€” this is one of the most common strategies. If your home has grown in value, you may have equity available to use as a deposit. We can help you access this equity and structure the investment loan correctly.

Ready to Grow Your Property Portfolio?

Talk to our investment lending specialists today β€” free consultation.

EZ Mortgage Broker

Live Rate Shift & Refinance Savings Calculator

Calculate real-time repayment variances, uncover market savings, and model RBA interest rate shifts.

1. Loan & Rate Details
2. Contact Details
3. Savings & Strategy
COL 1

Loan & Rate Parameters

$750,000
6.25%
Enter details to reveal & receive full breakdown:
COL 2

Calculated Impact & Chart

ESTIMATED MONTHLY VARIANCE
-$121 / month
Approx. $1,452 / year savings
Monthly Repayment Comparison:
Current Loan (6.25%) $4,618/mo
$4,618
New Shifted Rate (6.00%) $4,497/mo
$4,497
COL 3

Market Intel & Reviews

β˜…β˜…β˜…β˜…β˜… 5.0 Google Rating
"EZ Mortgage Broker negotiated a 0.65% discount with our lender within 4 days. Saved us thousands!"
β€” Marcus & Sarah T., Tarneit
"Smooth, transparent process from initial rate calculation through to settlement. Highly recommend."
β€” Priya K., Point Cook
Latest Market Updates:
Fixed vs Variable: Navigating RBA Rate Cycles
⏱️ 4 min read β€’ Money & Banking
Refinancing Playbook: How to Cut Repayments
⏱️ 5 min read β€’ Loan Strategy
MFAA Accredited Credit Advisors
Mortgage Broker Online Pty Ltd t/a EZ Mortgage Broker | Credit Rep 538522 (nMB ACL 391209)

*Disclaimer: All rates, fees, and calculations are indicative only and subject to change. Repayment calculations are based on a 30-year principal and interest loan structure.