Investment loans require different thinking to owner-occupied loans. The right structure — rate type, P&I vs interest-only, cross-collateralisation, offset — can mean thousands of dollars difference every year.
Interest-only repayments maximise cash flow on investment properties. We access lenders with competitive IO rates and understand the policy restrictions that have tightened since APRA reforms.
If your owner-occupied home has grown in value, we can structure an equity release to fund your investment deposit — without touching your personal savings.
Cross-collateralising properties can be a trap. We structure investment loans to preserve your future borrowing capacity and keep each property independently financed where possible.
Loan structure affects your tax position. We work alongside your accountant to ensure your loans are set up to maximise deductibility — though we don't provide tax advice directly.
Some of the best investment loan rates come from second-tier and non-bank lenders not available through branch banking. Our panel includes lenders most investors have never heard of.
Over time, investment loan rates drift. We conduct annual portfolio reviews to ensure your investment loans remain competitive — and restructure if they don't.
We look at your existing properties, equity positions, loan structures, and future goals — not just the next transaction.
We decide on the right loan structure before touching a rate — P&I vs IO, standalone vs cross-secured, lender allocation.
We prepare and lodge the application, manage the lender, and keep you updated through to approval.
We check in annually to review rates, equity positions, and whether restructuring could improve your position.
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