Build your property portfolio with the right lending structure
Investment lending is more complex than a standard home loan. We match you with the right lender, structure your loan to suit your investment strategy, and help you scale your portfolio over time.
Investment loan options we arrange
Interest-Only
Pay only the interest during the loan term, keeping monthly repayments lower and maximising cash flow. A popular structure for investors focused on capital growth. Speak to your accountant about the tax implications for your situation.
Principal & Interest
Repayments reduce your loan balance over time, building equity in the investment property. A practical choice if the property is positively or neutrally geared and you want to reduce debt progressively.
Split Loan
Divide your investment loan between interest-only and principal & interest. A common strategy for investors who want to manage cash flow while also making some progress on reducing debt.
Portfolio Lending
Own or planning to own multiple investment properties? We structure your lending across lenders to manage serviceability, optimise rates, and preserve your capacity to keep growing.
The right loan structure can make a significant difference to your cash flow and overall investment strategy.
Talk to ShaneInvestment lending is a specialist area
Not all lenders treat investment loans the same way. Policies on interest-only periods, rental income assessment, and portfolio serviceability vary significantly. The wrong lender can limit your ability to grow.
Finance Craft
- Access to 30+ lenders, including investment specialists
- Loan structures tailored to your investment goals
- Interest-only options across multiple lenders
- Portfolio serviceability planning for future purchases
- $0 broker fee (lenders pay us)
Going Direct to Your Bank
- Limited to that bank's investment policies
- No independent guidance on loan structure options
- Interest-only periods may be restricted
- No portfolio-level strategy or planning
- No advocate on your side if the application hits hurdles
Getting the structure right from the start protects your ability to keep investing.
Book a Free ConsultationYour investment loan journey
Understand Your Strategy
We start by understanding your investment goals: whether you're focused on cash flow, capital growth, or building a portfolio, and assess your current borrowing capacity.
Structure & Apply
We identify the right lender and loan structure for your situation, handle the application, and factor in rental income to maximise your borrowing power.
Settle & Scale
We manage settlement and stay in touch as your portfolio grows, reviewing your structure, identifying refinance opportunities, and planning your next purchase.
Investment lending essentials
Rental Income & Serviceability
Lenders factor rental income into serviceability assessments, which can increase your borrowing capacity beyond your personal income alone. The amount they'll accept varies by lender, typically 70–100% of gross rental income.
Negative Gearing
When rental income is less than interest and holding costs, the property is negatively geared. Many investors accept this shortfall as part of a capital growth strategy. Speak to your accountant about how negative gearing may apply to your situation.
Interest-Only Periods
Most lenders offer interest-only periods of up to 5 years on investment loans. After that, the loan reverts to principal & interest. We plan for this transition so it doesn't catch you off guard.
Using Equity to Invest
If you own your home, you may be able to access equity to fund an investment property deposit, without needing large cash savings. We'll assess your usable equity and structure the split correctly.
Investment lending FAQs
Many lenders accept a 10% deposit for investment properties, with Lenders Mortgage Insurance applied to cover the shortfall. A 20% deposit avoids LMI and typically secures a sharper rate. If you already own your home, you may be able to use existing equity as your deposit instead of cash savings.
Yes, lenders include rental income in their serviceability assessment, which can meaningfully increase your borrowing capacity. The amount recognised varies by lender, generally 70–100% of the gross rental income. We identify lenders that treat rental income most favourably for your situation.
Interest-only repayments keep monthly costs lower and improve cash flow, often the preferred structure for investors focused on capital growth rather than debt reduction. We'll model both options so you can compare the numbers. Speak to your accountant about the tax implications for your situation.
Yes, this is a common strategy. If your home has increased in value and you have usable equity, we can structure a refinance to release those funds as a deposit for an investment property. It's important to correctly separate the owner-occupied and investment portions of your lending, and we handle this carefully.
Generally, investment loan rates are slightly higher than owner-occupier rates, reflecting the perceived higher risk to lenders. The gap has narrowed in recent years, and the difference varies by lender. We compare investment rates across 30+ lenders to find the most competitive option for your situation.
Ready to grow your property portfolio?
Book a free call with Shane and let's structure your investment lending.