02 / SERVICES
INVESTMENT
FINANCE
From your first investment property to a growing portfolio. Finance structured around cash flow, available equity and your next purchase.
HOW IT WORKS
STRUCTURED FOR THE NEXT ONE, NOT JUST THIS ONE.
An investment loan should work for today's purchase without unnecessarily limiting the next. Lenders assess rental income, existing debts and borrowing capacity differently. We consider loan structure, available equity and lender choice with your wider portfolio in mind, while your accountant advises on tax and ownership arrangements.
GOOD TO KNOW
STANDALONE LOANS
Keeping properties separately secured can provide flexibility when selling or refinancing.
INTEREST-ONLY OR P&I
Cash flow now, weighed against the switch to P&I later.
PART OF THE RENT
Lenders count only a share of the rent when assessing you.
YOUR NAME OR A STRUCTURE
Personal, company, trust and SMSF ownership involve different lending requirements.
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FIRST HOME BUYERS
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WHAT WE COVER
FIRST HOME BUYERS
From pre-approval to settlement day, including government schemes.
Selling and buying in the right order.
Upgrading and downsizing
Buying your next home before the current one sells.
Bridging finance
Refinancing
A sharper rate or a better structure, with switching costs weighed first.
SELECT FOR DETAILS
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TRUSTS, COMPANIES & SMSF
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USING EQUITY
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GROWING A PORTFOLIO
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FIRST INVESTMENT
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WHAT WE COVER
THE PROCESS
01
DISCOVERY CALL
Your goals, circumstances and timeframe
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Preliminary review
Position and borrowing options reviewed
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Strategy
Lenders and structure compared
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Application
Prepared and submitted to the chosen lender
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Approval & settlement
Coordinated to settlement
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Ongoing support
Loan reviewed as your needs change
COMMON QUESTIONS
HOW IS RENTAL INCOME COUNTED?
Most lenders count only part of the rent, often around 70 to 80 per cent, to allow for vacancies and costs. How they treat it varies, which is one reason lender choice matters.
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SHOULD MY INVESTMENT LOAN BE INTEREST-ONLY?
Interest-only repayments cover the interest without reducing the loan balance, so repayments are lower during the interest-only period. The trade-off is that the debt doesn’t reduce, and repayments rise when principal-and-interest begins because the balance is then repaid over a shorter remaining term. Interest-only rates can also be higher. Whether it suits depends on your cash flow, plans for the property and other debts.
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WHAT IS CROSS-COLLATERALISATION?
Cross-collateralisation is when a lender uses two or more properties as security for your borrowing. For example, your home and investment property might both secure the investment loan.
This can make future sales or refinancing more complicated, because the lender may need to reassess the remaining securities before releasing one property. Keeping loans separately secured can provide greater flexibility and control.
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SHOULD I BUY IN A TRUST?
A trust can hold investment property, but it may change borrowing options, land tax, income tax, administration costs and the need for personal guarantees. Proposed discretionary trust tax changes would apply from 1 July 2028 if legislated, with details and exceptions still to be confirmed. Discuss the proposed ownership structure with a solicitor and accountant before signing a contract.
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CAN I BUY AN INVESTMENT PROPERTY IN MY SMSF?
An SMSF may hold eligible investment property, but borrowing is tightly restricted. Legislative changes affect new limited recourse borrowing arrangements for residential property, so don't assume a new SMSF residential property loan is available. The rules differ by asset and circumstances; obtain specialist superannuation, legal and tax advice before committing to a purchase.
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HAVE ANOTHER QUESTION? BROWSE THE FAQ
LET'S TALK.
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