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Investment Loans
Investment property finance designed to support portfolio growth and long-term wealth creation
What is an Investment loan?
Investment loans are designed to help borrowers purchase residential property with the aim of generating rental income and achieving long-term capital growth. Whether you're purchasing your first investment property or expanding an existing portfolio, the right loan structure can support your broader investment objectives.
Unlike owner-occupied lending, investment loans offer a range of features and repayment options that can be tailored to different investment strategies. With a wide variety of lenders and products available, selecting the right loan structure is an important part of building and managing a successful property portfolio.
Common Investment Lending Scenarios
Every lending scenario is unique, but these are some of the more common reasons borrowers seek Investment Finance
Buying Another Property
Investment loans can help finance your first or next residential investment property, providing opportunities to generate rental income and build long-term wealth.
Accessing Equity
As equity builds within an investment property, it may be possible to access available equity to help fund the purchase of additional investments or other approved purposes.
This could include funding for renovations to increase rental appeal or consolidating existing debts
Refinancing an Investment Loan
Refinancing may provide an opportunity to secure a more competitive interest rate, improve loan structure or access features that better support your investment strategy.
Expanding a Portfolio
As your equity and investment experience grow, additional investment loans can support the acquisition of further properties as part of a broader portfolio strategy.
Expanding a Portfolio
As your equity and investment experience grow, additional investment loans can support the acquisition of further properties as part of a broader portfolio strategy.
Buying Another Property
Investment loans can help finance your first or next residential investment property, providing opportunities to generate rental income and build long-term wealth.
Refinancing an Investment Loan
Refinancing may provide an opportunity to secure a more competitive interest rate, improve loan structure or access features that better support your investment strategy.
Accessing Equity
As equity builds within an investment property, it may be possible to access available equity to help fund the purchase of additional investments or other approved purposes.
This could include funding for renovations to increase rental appeal or consolidating existing debts
Factors Lenders May Consider
Investment loan assessments differ between lenders, with borrowing capacity and the proposed investment both playing an important role. Key factors typically include:
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Rental income and projected yield
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Existing debt and portfolio exposure
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Loan structure (interest-only or principal & interest)
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Property location and market demand
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Borrower income and serviceability
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Lender investment lending policy
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If you'd like to explore tailored Investment Loan options aligned with your broader financial goals, obligation free, please get in touch.
Related Lending Solutions
Depending on your strategy, Investment lending can often overlap with other finance solutions, including:
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Designed to support portfolio growth and long-term wealth creation
Development & Construction Finance
For property development projects and staged construction funding
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Solutions tailored to your business and property goals, with options for Self-Employed borrowers
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Lending criteria, fees, charges and eligibility requirements vary between lenders. All applications are subject to individual assessment and lender approval.