PROPERTY INVESTMENT ADVISORY
Investment Property Loans Melbourne
Scale your residential or commercial portfolio. We structure standalone mortgages, maximize borrowing capacity, and leverage home equity across 30+ accredited lenders.
Strategic Investment Loan Structuring
Property investment success is determined by how well your debt is structured. A poorly structured loan can restrict your borrowing capacity and expose your family home to unnecessary risk.
- Standalone Securities: We keep every property loan separate with independent titles to avoid restrictive bank cross-collateralisation.
- Equity Cash Out Deposit: Use existing equity in your home to fund the 20% deposit and stamp duty on your new investment with $0 out-of-pocket cash.
- Interest-Only Flexibility: Maximise tax deductions on investment debt while channelling surplus cash towards your non-deductible home mortgage.
- Lender Servicing Selection: Different banks treat rental income differently (some shade rental at 80%, others 90%+). We choose lenders that maximise your borrowing power.
Investment Lending FAQs
Should I choose Interest-Only or Principal & Interest?
Interest-only (IO) repayments minimise holding costs and preserve cash to pay down your non-deductible home loan first. We evaluate your complete tax strategy with your accountant.
Can I buy an investment property without a cash deposit?
Yes. By establishing an equity release or supplemental line of credit against your current home, you can fund 100% of the purchase price and stamp duty without touching your cash savings.