Investment Loans
Compare investment loans, repayments and lender requirements before you buy.
Who it is for
Process
We discuss your goals, hold period, expected growth, and whether you're focused on cash flow or equity.
We compare how different lenders treat rental income - some count 70%, some 80%, which significantly changes your capacity.
Interest-only or principal-and-interest, which lender, what features - we design a structure that supports your broader strategy.
We design your current loan so it doesn't limit your ability to buy again in the future.
Before you apply
Requirements vary by lender. Please use the enquiry form for contact details only; your broker can explain how to provide documents securely.
| Option | When it may help | What to consider |
|---|---|---|
| Interest-only | Investors prioritising cash flow and minimising monthly repayments | You're not building equity through repayments - the full balance remains at the end of the IO period |
| Principal and interest | Investors building equity and reducing the loan balance over time | Higher monthly repayments that affect cash flow |
| Split structure | Investors who want some cash flow relief while still building equity | More complex to manage with two rate structures |
It varies. Some lenders count 70% of gross rental income, others 80% or more. This significantly affects your borrowing capacity, so we compare lenders on this point.
It depends on your strategy. Interest-only gives you better cash flow but you don't reduce the loan balance. Principal-and-interest builds equity but costs more monthly. We model both so you can decide.
Yes. We work with lenders who assess self-employed income using tax returns and accountant declarations rather than standard payslips.
Cross-collateralisation means using one property as security for multiple loans. It can create problems when you want to sell or restructure. We generally recommend keeping properties separate unless there's a clear reason not to.
