Investment Property Hub
Specialist Mortgage Brokers for Investment Property Loans
Build wealth with confidence. We structure investment property loans that support your long-term strategy — from using equity to choosing Interest-Only vs Principal & Interest and setting up offsets for smarter cash flow.
Check Your Investor OptionsInvestor Pathways
Using Equity
Tap existing home equity to fund your next purchase without draining cash buffers.
Interest-Only
Improve early-years cash flow; assess total cost and exit plan before choosing IO.
Offset Accounts
Reduce interest while keeping cash accessible for future opportunities.
Cross-Collateralisation
Understand risks of tying properties together and how to avoid capacity traps.
Cash-Flow Scenarios
| Scenario | Repayment | Cash Flow | Notes |
|---|---|---|---|
| $600k inv. @ 6% P&I | $3,600/mth | Slight negative | Balance reduces, higher monthly outgo |
| $600k inv. @ 6% IO | $3,000/mth | Near neutral | Cash-flow friendly; no principal reduction |
Illustrative only; we’ll model your actual rates, rent, buffers and tax assumptions.
Advanced Options
SMSF Property Loans
Leverage your superannuation with compliant lending structures.
Private Funding
Specialist finance for unique timelines or properties.
NDIS Property Finance
Consider fit-for-purpose lending for Specialist Disability Accommodation.
Explore: Refinance • Broker-Only Deals
Top 10 Investor FAQs
Do I need 20% deposit for an investment property?
Not always. Some lenders allow from 10% deposit; LMI may apply.
Should I choose Interest-Only or P&I?
IO can boost cash flow; P&I reduces debt. We’ll model both against your goals.
What’s the best loan structure for an investment property??
There isn’t a “one best” option—it depends on your goals. The structure has to align with your personal goals - long term and short term. We’ll explain choices like interest-only, offset accounts, or fixed vs variable, so you know what works best for you.
Can I buy an investment property if I already have a big home loan?
Owing an investment property is mainly dependent on your income, expenses, and equity. If you have surplus income despite having a bit home loan, it is still possible.We’ll run the numbers and show you what’s possible.
How do banks decide how much I can borrow for an investment property?
They check your income, debts, living costs, and expected rental income. We know how each lender calculates things, which helps us match you with the right one.
What costs should I plan for apart from the deposit?
You’ll need to allow for stamp duty, legal fees, inspections, and sometimes lender’s mortgage insurance. We’ll give you a clear breakdown before you start.
Is negative gearing still worth it?
Like most things, it has pros and cons.It can be useful, depending on your tax situation and long-term goals. We’ll connect you with accountants and Financial Planners if needed so you get the full picture before deciding.
Can you help me use the equity in my home to buy an investment property?
Yes. We can work out how much equity you have and show you safe ways to use it to grow your property portfolio.
Do you help investors who want more than one property?
Yes, portfolio growth is our specialty. Majority of our seasoned investor clients have 3 and 5 properties with complex Trust Structures
How can I keep my investment loans tax-efficient?
We make sure your loan is structured correctly from day one, and we’ll work alongside your accountant to keep things in line with tax rules.
Plan Your Next Investment with Confidence
Compare lender policy on IO terms, offsets and equity release — in one conversation.
