INVESTMENT PROPERTY LOANS

Structure your investment finance with the longer view in mind

Compare loan structures, lender policies and repayment options while considering how today's borrowing may affect cash flow and future finance.

Talk through your investment loan

BEFORE THE NEXT PURCHASE

Look at the whole borrowing position, not only this property

Investment lending is assessed across the applicant, the proposed property, rental income and existing commitments. Different lender policies can produce different outcomes.

Compare repayment structures

Principal-and-interest and interest-only loans create different cash-flow and total-cost outcomes. The appropriate structure depends on the wider position and lender criteria.

Understand how rent is assessed

Lenders generally use only part of expected rental income in their calculations and apply their own treatment to existing investment debts.

Consider the next borrowing decision

Each investment loan can affect future serviceability. The lender chosen today may influence the options available for another purchase later.

THE WIDER INVESTMENT POSITION

Match the finance to cash flow, debt and future borrowing plans

Investment finance is more useful when the loan is considered alongside existing debts, expected rental income, available equity and the proposed holding strategy.

Loan features and repayment structures can change cash flow and total interest costs. Tax consequences should be discussed with an appropriately qualified tax adviser.

We compare lending options within the credit-assistance process while keeping investment and tax advice with the professionals responsible for those areas.

Plan for the next move

Investment Finance Works Best When You Look Beyond One Property

Rental income, existing debts, available equity and lender policy all affect the borrowing position. We compare the finance with future purchases in mind, while tax and investment advice remains with the appropriately qualified professionals.

Deposit, equity and LVR

Available equity does not automatically equal available borrowing. Valuation, serviceability, LVR and lender policy all affect how much may be accessible.

Rental income treatment

Expected rent can support serviceability, but lenders commonly shade the amount used in their assessment to allow for vacancies and property expenses.

Future borrowing capacity

The structure of one loan can affect the next application. Looking ahead can help avoid making today's purchase harder to carry or refinance 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.

FREQUENTLY ASKED

Common questions about this loan type

Clear answers to the questions clients often ask before applying.

Can rental income increase my borrowing capacity?

Rental income can be included in a lender's assessment, but lenders usually use only part of the expected rent to allow for vacancies and property expenses.

Is interest-only always better for an investment property loan?

No. Interest-only and principal-and-interest repayments create different cash-flow and total-cost outcomes. The suitable structure depends on the wider borrowing position and lender criteria.

Can I use equity from another property as the deposit?

Potentially. Available equity depends on the property's value, existing debt, serviceability and the lender's policy. Equity alone does not guarantee additional borrowing.

How can an investment loan affect future borrowing?

Each new debt and repayment is included in later serviceability assessments. The lender and structure chosen now can therefore affect options for another purchase later.

Should I get tax advice before choosing an investment loan structure?

Yes, where tax treatment is part of the decision. A mortgage broker can assist with credit options, while tax consequences should be confirmed with an appropriately qualified tax adviser.

We can help you choose

We can help you find a loan that fits your plans

Tell us what you’re planning. We can explain your options, compare relevant lenders and help you work out your next step.

Talk with us about your loan

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.

Check your borrowing power

Estimate what you may be able to borrow and talk through your income, expenses, deposit and lending goals with a mortgage broker.

Start here →

Compare and apply online

We compare suitable loan options, then help you provide the information and documents needed to submit your application online.

Application underway

Approval to settlement

We coordinate lender questions, requirements and key milestones, helping keep the application moving from approval through to settlement.

On to settlement ✓

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Loan features

Understand the Features That Shape Your Home Loan

Offset accounts, redraw, repayment options and rate structures can change how your loan works. Explore the key features and understand what they mean for you.

Explore all loan features →