Investment property loans
The first investment loan decides how easy the second one is. We set the structure up with the next purchase in mind.
Structure comes first
A common shortcut is to let one bank hold your home and your investment as security for each other. It is quick to set up and hard to undo. We keep each property on its own loan so you can sell, refinance or release equity on one without the bank revaluing everything. Why cross-collateralisation costs you later.
Using equity for the deposit
If your home has grown in value, you may be able to borrow against it for the deposit and costs on an investment. We set that money up as a separate split, which keeps the investment borrowing easy to identify. Your accountant can confirm how it should be treated for tax.
How lenders read rental income
Lenders don’t count all of your rent. Most use around 80% of it, some less, to allow for vacancies and costs. They also assess your existing loans at a buffer rate above what you actually pay. The gap between lenders can change your borrowing power by a large amount, and it is the main reason investors hit a wall with one bank and not another.
Interest only or principal and interest
Interest only keeps repayments lower for a set term and leaves the balance where it is. Rates are usually higher, and repayments step up when the term ends. How interest only loans work.
How we handle it
The same four steps on every loan, whatever the size.
Talk
A 20-minute call about what you want to do. No documents needed yet.
Compare
Your scenario priced across 40+ banks, mutuals and non-bank lenders, explained in plain English.
Settle
We package the application, lodge it and chase the lender through to settlement.
Stay sharp
Every year we check your rate against the market, so the loyalty tax never gets a grip.
Questions people ask
How much deposit do I need for an investment property?
Most lenders want 20% plus costs to avoid lenders mortgage insurance. Some lend to 90% with it. The deposit can come from equity in a property you already own.
Can I buy an investment before my own home?
Yes. It is called rentvesting, and it affects which first home schemes you can use later. See rentvesting.
Do you give tax advice?
No. We arrange the lending and work alongside your accountant on structure.
General information, last updated November 2026. Scheme figures, lender policies and duty rates change, so confirm them before you rely on them.
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Let’s talk about your next move
Twenty minutes on the phone. No documents and no sales pitch.