Investment lending comes with its own rules around deposits, interest-only periods, and how rental income is assessed. Getting the structure right from the start matters more than chasing the lowest headline rate.
Many investors choose an interest-only period to maximise cash flow and any tax-deductible interest, before switching to principal and interest later in the loan term.
Equity in an existing property can often fund some or all of the deposit on an investment purchase, without needing new cash savings.
Lenders typically count 70–80% of expected rental income toward serviceability — we'll model your application using realistic, lender-accepted figures.
If you're planning to buy more than one investment property over time, loan structure and lender choice on the first purchase can affect how easily you borrow for the next one.
Personal name, trust, or company — this affects tax treatment and borrowing capacity, and is worth discussing with your accountant alongside us.
Investment loans above 80% LVR often attract LMI and stricter conditions than owner-occupier loans.
Vacancy periods and rate rises should be stress-tested against your budget before you commit.
We'll map out financing options against your broader portfolio goals.
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