Investment property loans to build your property portfolio
Investment lending is more complex than a standard home loan. I match you with the right lender, structure your loan to suit your investment strategy, and help you scale your portfolio over time.
Investment loan options I arrange
Interest-Only
Pay only the interest during the loan term, keeping monthly repayments lower and maximising cash flow. A popular structure for investors focused on capital growth. Speak to your accountant about the tax implications for your situation.
Principal & Interest
Repayments reduce your loan balance over time, building equity in the investment property. A practical choice if the property is positively or neutrally geared and you want to reduce debt progressively.
Split Loan
Divide your investment loan between interest-only and principal & interest. A common strategy for investors who want to manage cash flow while also making some progress on reducing debt.
Portfolio Lending
Own or planning to own multiple investment properties? I structure your lending across lenders to manage serviceability, optimise rates, and preserve your capacity to keep growing.
The right loan structure can make a significant difference to your cash flow and overall investment strategy.
Talk to ShaneWhat makes investment lending different?
Not all lenders treat investment loans the same way. Policies on interest-only periods, rental income assessment, and portfolio serviceability vary significantly. The wrong lender can limit your ability to grow.
Finance Craft
- Access to 30+ lenders, including investment specialists
- Loan structures tailored to your investment goals
- Interest-only options across multiple lenders
- Portfolio serviceability planning for future purchases
- $0 brokerage fee (lenders pay me)
Going Direct to Your Bank
- Limited to that bank's investment policies
- No independent guidance on loan structure options
- Interest-only periods may be restricted
- No portfolio-level strategy or planning
- No advocate on your side if the application hits hurdles
For worked examples, this equity release case study shows how $240,000 of existing home equity funded renovations and an investment property deposit, and this debt recycling case study covers how the loan splits were structured.
Getting the structure right from the start protects your ability to keep investing.
Book a Free ConsultationYour investment loan journey
Understand Your Strategy
I start by understanding your investment goals: whether you're focused on cash flow, capital growth, or building a portfolio, and assess your current borrowing capacity.
Structure & Apply
I identify the right lender and loan structure for your situation, handle the application, and factor in rental income to maximise your borrowing power.
Settle & Scale
I manage settlement and stay in touch as your portfolio grows, reviewing your structure, identifying refinance opportunities, and planning your next purchase.
What Clients Say
I had a great experience working with Shane. He was professional, knowledgeable, and always quick to respond to any questions or concerns I had throughout the process. His communication was excellent, and he made everything straightforward and stress-free. I really appreciated his reliability and dedication, and I wouldn't hesitate to recommend him to anyone looking for a trustworthy broker.
You won't find a better Broker in Sydney!! Shane got us the best deal and went well beyond the call of duty to ensure our deal went through without a hitch. Thank you for all your help Shane, we couldn't have done this without you!
Finding the right mortgage broker can be daunting, but save yourself the time and go to Shane from Finance Craft. He is experienced, responsive, and patient with all questions. Shane acted promptly to remove any blockers and challenges, ensuring a smooth and stress-free process. He was always available for questions and calls, demonstrating his commitment and dedication, guiding us every step of the way and making the entire experience seamless. We will use his services for future property finance matters. Highly recommended, thanks Shane!
Shane has been absolutely amazing. His professionalism and availability at every step made this whole process so much easier. He answered all our 1,000 questions with such patience and expertise, which gave us the confidence to take this big step. We truly recommend him.
Shane is absolutely amazing. He makes the whole process so seamless and supports you every step of the way. He is honest and very approachable. Would definitely recommend.
Shane's knowledge, expertise, efficiency, communication & customer service is top tier. He was super helpful in explaining things I didn't understand & in a timely manner. Kept us informed at all times as to where our application was at etc. Would definitely recommend. 10/10. Thanks Shane!
Investment lending essentials
Rental Income & Serviceability
Lenders factor rental income into serviceability assessments, which can increase your borrowing capacity beyond your personal income alone. The amount they'll accept varies by lender, typically 70–100% of gross rental income.
Negative Gearing
When rental income is less than interest and holding costs, the property is negatively geared. Many investors accept this shortfall as part of a capital growth strategy. Speak to your accountant about how negative gearing may apply to your situation.
Interest-Only Periods
Most lenders offer interest-only periods of up to 5 years on investment loans. After that, the loan reverts to principal & interest. I plan for this transition so it doesn't catch you off guard.
Using Equity to Invest
If you own your home, you may be able to access equity to fund an investment property deposit, without needing large cash savings. I'll assess your usable equity and structure the split correctly.
Investment lending FAQs
Many lenders accept a 10% deposit for investment properties, with Lenders Mortgage Insurance applied to cover the shortfall. A 20% deposit avoids LMI and typically secures a sharper rate. If you already own your home, you may be able to use existing equity as your deposit instead of cash savings.
Yes, lenders include rental income in their serviceability assessment, which can meaningfully increase your borrowing capacity. The amount recognised varies by lender, generally 70–100% of the gross rental income. I identify lenders that treat rental income most favourably for your situation.
Interest-only repayments keep monthly costs lower and improve cash flow, often the preferred structure for investors focused on capital growth rather than debt reduction. I'll model both options so you can compare the numbers. Speak to your accountant about the tax implications for your situation.
Yes, this is a common strategy. If your home has increased in value and you have usable equity, I can structure a refinance to release those funds as a deposit for an investment property. It's important to correctly separate the owner-occupied and investment portions of your lending, and I handle this carefully.
Generally, investment loan rates are slightly higher than owner-occupier rates, reflecting the perceived higher risk to lenders. The gap has narrowed in recent years, and the difference varies by lender. I compare investment rates across 30+ lenders to find the most competitive option for your situation.
Your local Sydney Eastern Suburbs broker
I specialise in helping clients across Coogee, Clovelly, Bronte, Bondi, and all surrounding Eastern suburbs.
Ready to grow your property portfolio?
Book a free call with Shane and let's structure your investment lending.