How we can help you

We can help you plan your property investment finance

We can help you understand your borrowing capacity, compare finance options and plan your lending with this purchase and your future property goals in mind.

How we'll help before you buy

We can help you plan your property finance before you buy

We'll help you understand what you may be able to borrow, what the repayments could look like and how the loan may affect your next move before you commit.

We help you understand what you may be able to borrow

We'll look at your income, existing debts, living expenses, expected rental income and relevant lender policies to help you understand your indicative borrowing position.

We help you choose a suitable loan structure

We'll explain the differences between interest-only and principal-and-interest repayments and compare relevant lender options for your circumstances and plans.

We keep your next purchase in mind

We'll consider how the loan in front of you may affect what you can borrow later, so you can think beyond this purchase.

How we'll help you see the bigger picture

We can help you understand what affects your investment borrowing capacity

We'll look beyond a single purchase because every new loan can affect your cash flow, borrowing capacity and the options available when you want to buy again.

We'll explain how lenders may assess rental income, living expenses and existing debts differently, and how repayment structure and property security may affect your future flexibility.

We'll help you compare relevant lending options with your next move in mind, including how new debt may affect later borrowing, refinancing or selling. Tax and ownership advice should come from an appropriately qualified professional.

How we'll think beyond this purchase

We help you understand how today's loan may affect your next move

Every new loan changes your borrowing position. We'll consider the lender, repayment structure and existing debts with future purchases in mind and explain how today's decision may affect later borrowing.

We explain how lenders assess rental income

We'll explain that lenders may not count all of the rent you expect to receive and show you how different assessment methods can affect your borrowing capacity.

We compare repayment structures with you

We'll compare interest-only and principal-and-interest repayments in the context of your cash flow and longer-term plans.

We help you protect future flexibility

We'll discuss refinancing, selling and buying again before you choose a structure that may be more difficult to change later.

Professional guidance, clearly accountable

Raise Wealth Pty Ltd trading as The Digital Brokerage is a Credit Representative (553369) operating under Australian Credit Licence 389328.

How we'll support your longer-term plans

We keep your future property purchases in mind

We'll look beyond the next loan and help you understand the lending choices in front of you and how they may affect the next stage of your property investment plans.

Can you help me understand how much I may be able to borrow?

Yes. We'll look at your income, expenses, existing debts, deposit or equity, expected rental income and relevant lender policies. Different lenders may produce different indicative borrowing amounts.

Can you help me compare interest-only and principal-and-interest loans?

Yes. We'll explain how both repayment structures work and help you compare them in the context of your cash flow, goals and circumstances.

Can you help me use equity towards another investment property?

We can help you explore whether usable equity may contribute towards the deposit and costs of another property. The amount depends on the property's value, your current loan and the lender's requirements.

Will you explain how this purchase could affect my future borrowing?

Yes. We'll explain how the new loan becomes a liability, how lenders usually count only part of the rental income and how this may affect what you can borrow later.

How can you help with my property investment strategy?

We can help with the lending side by assessing your borrowing capacity, comparing relevant lenders and discussing loan structures. Property selection, financial planning and tax advice should come from appropriately qualified professionals.

We can help you plan your next purchase

We can help you work through your property investment finance

Tell us what you are planning. We can help you understand your borrowing position, compare relevant finance options and see what your next steps could look like.

Ask us about your investment finance

Our process

How to get a home loan online

Start with discovering your borrowing capacity by using our free calculator, then we can help you compare suitable lenders, organise the application online and manage the steps through approval and settlement.