Share the basics
Tell us what you need and how a broker can reach you.
Finance built around your strategy
Investment property loans
Explore investment loan structures, refinancing and borrowing options with a mortgage broker.
Request a reviewA clearer starting point
What the conversation can cover
Investment lending is about more than securing a loan. Cash flow, loan purpose, features, future purchases and your wider strategy can all affect which structure is suitable.
- Discuss your investment goals and current lending structure
- Compare loan features, repayment types and lender criteria
- Coordinate with your accountant or adviser where specialist advice is needed
- Consider how available equity, cash flow and future borrowing plans may affect the loan structure
- Discuss keeping different loan purposes clearly separated where appropriate, with tax advice obtained separately
What happens next
Simple to request. Personal from there.
Talk it through
A broker learns about your circumstances, priorities and timeframe.
Consider the next step
If you continue, the broker can assess and explain suitable options.
Helpful to know
Common questions
Should an investment loan be interest-only?
That depends on your circumstances, strategy, lender criteria and the costs over time. A broker can explain lending options, while tax advice should come from a qualified tax adviser.
Can I use equity to buy an investment property?
It may be possible if you have usable equity and meet lender requirements. Borrowing more increases risk, so the full position should be assessed carefully.
Can expected rental income be included when assessing borrowing capacity?
Lenders may consider a portion of expected or existing rental income. The amount accepted and the supporting evidence required vary, and the lender will also assess expenses, debts and other commitments.
Should my home and investment loans be with the same lender?
Not necessarily. Using one lender may be convenient, while separating loans or securities may offer greater flexibility in some circumstances. The appropriate structure depends on your circumstances, lender requirements and relevant tax or legal advice.
Your next step
A clearer mortgage conversation starts here.
Share a few details and request a call from an appropriately licensed or authorised mortgage broker. No pressure and no obligation to proceed.
- Australia-wide support
- A human follow-up call
- No sensitive documents in the first step