Investment · Investment Loan
Finance built to grow your portfolio, not just settle one property
An investment loan does more work than an owner-occupied one it needs to support serviceability for the property after this one. We structure lending around interest-only terms, cross-collateralisation risk and offset access, so your next purchase isn't harder because of how this one was set up.
- Interest-Only to 5 yrs
- Up to 90% LVR
- Fixed & variable
Who it's for
- First-time property investors comparing structures before they buy
- Portfolio builders adding a second, third or fourth property
- Investors using equity from an existing home to fund a deposit
- Interstate or interstate-remote buyers who want a broker managing the process
How it works
The same clear process every time, shaped around this specific loan type.
- 1
Portfolio-aware assessment
We look at how this loan affects your ability to borrow again later, not just whether it's approved today.
- 2
Structure comparison
Interest-only vs P&I, standalone vs cross-collateralised security we lay out the trade-offs across panel lenders.
- 3
Equity & deposit strategy
If you're using equity from an existing property, we coordinate valuations and structure the deposit correctly.
- 4
Settlement & ongoing structure
We settle the loan and keep an eye on refinance opportunities as your portfolio and equity position grow.
What's included
Interest-only structuring
Free up cash flow during the investment phase with interest-only terms, where it genuinely suits your strategy.
Avoiding cross-collateralisation
We default to standalone security wherever possible, so one property's growth isn't tied up in another's loan.
Offset on investment lending
Not every lender offers offset accounts on investment loans at competitive rates we know which ones do.
Depreciation-friendly structuring
We loop in your accountant's depreciation schedule when it affects how a loan should be structured.
Ask specifically whether your loan will be standalone or cross-collateralised before you sign it's one of the most common structuring mistakes we see investors inherit from their first lender.