INVESTMENT LOANS
Buy the property. Keep the strategy.
Investment lending is a structure question as much as a rate question — get it right early and the next purchase gets easier, not harder.
What good structure looks like.
Interest-only or principal-and-interest. Equity release versus cross-collateralisation (we’ll usually argue against crossing). Offsets that park rent where it works hardest. Loans set up so lender number two says yes as readily as lender number one. These choices compound across a portfolio — we make them deliberately.
Using the equity you already have.
Most investors don’t save a second deposit — they release equity from the home they own. We’ll show you how much is accessible, what it does to both loans, and how to keep the structure clean for the accountant.
Frequently asked questions
Commonly 10–20% plus costs, or the equivalent in equity from another property. Below 20%, LMI applies and pricing tightens; we’ll model both paths.
Interest-only maximises cash flow and deductibility management; P&I usually prices lower and builds equity. It’s a strategy decision that we’ll put numbers on — with your accountant in the loop if you want.
It’s one loan secured by two properties. It’s occasionally useful and often a trap — it hands the lender control of your whole position. Our default is standalone loans with deliberate equity release.
Yes, usually at a discount (commonly around 75–80%) to allow for vacancies and costs. Some lenders treat it more generously than others, which can decide your borrowing power.
Yes — a smaller lender panel, some pricing differences, and it must fit your tax position. That’s a structure conversation between us and your accountant before anyone applies.