Finance Hub
Investment Loans
Investment lending has its own rules, rates, and structuring considerations. We introduce you to independent, licensed brokers who understand how to set up finance that supports more than one purchase.
How investment loans differ
Lenders treat investment borrowing differently from owner-occupier loans. Interest rates, deposit expectations, and the way rental income is assessed can all vary. Understanding these differences early helps you avoid surprises when it comes time to apply.
A broker who specialises in investment lending can explain how a particular lender views your rental income, existing commitments, and future plans — all of which shape how much you can borrow and on what terms.
Structuring for a portfolio, not just one property
The way your first investment loan is set up can either open doors or quietly close them. Cross-securitising properties, choosing the wrong repayment type, or maxing out with a single lender can limit your ability to buy again. A thoughtful structure keeps your options open.
Where we fit in
We are not a lender or a licensed adviser. We introduce you to independent, licensed mortgage brokers who handle the lending strategy. Our role is simply to point you toward professionals who take a long-term view.
Related reading
- How to buy an investment property — the full purchase process from finance to settlement.
- Support for property investors — how we help investors at every stage of their journey.
Frequently asked questions
Do investment loans always cost more than home loans?
Investment loans often carry different pricing to owner-occupier loans, but the exact difference depends on the lender and your circumstances. A licensed broker can compare current options for you.
Can I use rental income to help me borrow?
Lenders typically consider a portion of expected or actual rental income when assessing your application, though each lender applies its own rules. Your broker will explain how this works for your situation.