Considered loan structure
We generally keep investment and owner-occupied borrowing separate, which simplifies record-keeping and preserves flexibility.
Investment loans
Investment property loans, structured for the long term.
The structure of an investment loan matters as much as the rate. Your broker structures your borrowing so it is easier to manage, review and build on, working alongside your accountant.
Secure online application. No obligation to proceed.
Who it's for
How we help
- First investment property
- Portfolio growth
- Equity release
- Converting a home to an investment
- Joint ownership
Equity assessment
We calculate how much equity you may be able to access for a deposit, and the effect on your overall borrowing position.
Repayment options
We compare interest-only and principal-and-interest repayments, and their effect on your cash flow and loan balance.
Planning for future purchases
We structure today's lending with your next purchase in mind, so it supports rather than limits your plans.
Preparation
Documents to prepare
Documents can be uploaded securely when you apply. Your broker will confirm your lender's specific requirements.
Speak with your accountant
We arrange the finance but do not provide tax advice. Discuss deductions, negative gearing and ownership structure with your accountant before purchasing.
- Photo identificationDriver licence or passport
- Proof of incomePayslips or tax returns, including existing rental income
- Existing loan statementsFor each property you currently own
- Rental appraisal or leaseFor the property being purchased or already tenanted
- Liabilities and expensesCredit cards, other loans and living expenses
Questions
Frequently asked questions
Can I use the equity in my home to purchase an investment property?
In many cases, yes. Lenders may allow you to borrow against the equity in your home for the deposit and costs, subject to valuation and your capacity to service both loans. We will set out how the borrowing would be structured.
Interest-only or principal and interest?
Interest-only repayments are lower for a set period, but the loan balance does not reduce during that time, and rates are often higher. Principal-and-interest repayments are higher each month but reduce the loan. The appropriate choice depends on your goals and cash flow.
Are investment rates higher than owner-occupied rates?
Generally, yes. Lenders typically price investment loans higher than owner-occupied loans, and policies vary between lenders. We compare options from our panel for your circumstances.
How do taxes affect my investment loan?
Tax outcomes depend on your individual circumstances, so we recommend speaking with your accountant. We will work with the structure they recommend.
Related lending
Start the conversation.
Apply online or book a consultation with a broker. We work with clients Australia-wide.