Home & property loans
Investment property loans
Whether it’s your first investment or your fifth, the way your loans are structured matters as much as the rate.
How we help investors
- Using equity: releasing equity from your home or existing properties for a deposit.
- Loan structure: keeping investment and personal debt separate, with the right mix of offset, split and repayment types.
- Interest-only or principal and interest: explaining the trade-offs for your situation.
- Serviceability: lenders assess rental income and existing debts differently, so the right lender can make a real difference to what you can borrow.
Using equity to buy an investment property
Equity is the difference between what your property is worth and what you owe on it. Many lenders will let you borrow against part of that equity to fund the deposit and costs of an investment property, without selling or using your savings. We’ll work out how much usable equity you have and how to structure it so your loans stay clean and easy to manage.
Why structure matters
Keeping investment borrowing separate from your home loan, choosing the right split between fixed and variable, and setting up offset accounts correctly can make your portfolio easier to manage and grow. Getting the structure right at the start is far easier than fixing it later.
We don’t provide tax or investment advice. We recommend speaking with your accountant about the tax side of your investment. Ready to talk numbers? Tell us about your plans, or see commercial property loans if you’re looking beyond residential.
Ready to talk?
Answer a few quick questions and a broker will come back to you within one business day.
Related services
FAQ
Common questions
How much deposit do I need for an investment property?
Many lenders want 10–20% plus costs, though some will go higher with lenders mortgage insurance. Using equity from property you already own can cover the deposit instead of cash.
How do lenders treat rental income?
Most lenders count only part of the expected rent, often around 70–80%, to allow for vacancies and costs. Policies vary, so the choice of lender can change how much you can borrow.
Should I choose interest-only or principal and interest?
Interest-only lowers your repayments for a set period, but you don’t reduce the loan and rates can be higher. Principal and interest builds equity faster. The right choice depends on your goals and cash flow, and your accountant can advise on the tax side.
Can I buy an investment property through a trust or company?
Yes, some lenders offer loans to trusts and companies, though the rules and pricing are different. We’ll match you with lenders who are comfortable with your structure.
Planning your next property?
Tell us where you’re at and we’ll come back to you within one business day.
