Investment Property Loans

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

Property Investment

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 — from single investment properties to multi-property portfolios — 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

Speak to an Investment Specialist

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Loan Features

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.

FAQ

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 — we can work together with them.

Can I use my home equity to buy an investment property? +

Yes — 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.