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Investment Loans

Investment loans built around your portfolio strategy

We structure loans that protect your borrowing capacity for future purchases and model the trade-offs between cash flow and equity.

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  • We model interest-only vs principal-and-interest scenarios
  • We compare lender policies on how much rental income they count
  • We plan your current loan to protect future borrowing capacity

Best for

Where this fits.

  • First-time investors buying their first rental property
  • Portfolio builders adding to existing investment properties
  • Cash flow focused investors needing minimum manageable repayments

How it moves

What happens next.

  1. 1
    Understand your investment strategy

    We discuss your goals, hold period, expected growth, and whether you're focused on cash flow or equity.

  2. 2
    Model borrowing capacity

    We compare how different lenders treat rental income - some count 70%, some 80%, which significantly changes your capacity.

  3. 3
    Structure the loan

    Interest-only or principal-and-interest, which lender, what features - we design a structure that supports your broader strategy.

FAQ

Quick answers.

How much rental income will the lender count?

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.

Should I choose interest-only or principal-and-interest?

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.

Can I get an investment loan if I'm self-employed?

Yes. We work with lenders who assess self-employed income using tax returns and accountant declarations rather than standard payslips.

What is cross-collateralisation and should I avoid it?

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.

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Tell us the scenario. We will map the next step.

One enquiry. Human direction. No duplicated paperwork before the fit is clear.

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