Borrowing Capacity
Understand how income, expenses, existing debts and proposed rental income may affect borrowing capacity.
Investment Property Loans Australia
Discuss Finance Options for Your Next Investment Property Purchase
Get matched with an experienced Australian mortgage broker who can discuss suitable finance options for your next investment property purchase and help you understand borrowing capacity, loan structures and lender requirements.
Guidance from your first question to settlement
Investment property finance can involve more than choosing an interest rate.
Borrowing capacity, rental income, deposits, equity, tax considerations and lender policies can all influence your investment finance options.
Find My Shoe House helps connect you with a mortgage broker who can review your goals, explain suitable investment loan structures and help you prepare for the application process.
Understand your borrowing capacity
Review income, expenses, existing debts, rental estimates and available deposit or equity.
Compare investment loan options
Explore principal-and-interest, interest-only, fixed and variable investment loan structures.
Plan your deposit and purchase costs
Understand deposits, stamp duty, conveyancing, inspections, lender fees and other upfront costs.
What can an investment property broker help you with?
Get practical guidance for financing your next residential investment property.
Deposit and Equity
Review available savings or usable property equity and understand lender deposit requirements.
Loan Structure
Compare interest-only, principal-and-interest, fixed, variable and split loan options.
Rental Income Assessment
Understand how lenders may assess expected rental income and vacancy allowances.
Portfolio Planning
Discuss how a new investment loan may fit with your existing properties and longer-term plans.
Application Support
Receive help organising documents, responding to lender questions and progressing toward settlement.
Four simple steps to discussing investment property finance
We use your investment goals, financial position and property plans to connect you with a suitable mortgage broker.
01
Tell Us About Your Investment Plans
Share your property plans, estimated purchase price, available deposit or equity and timeframe.
02
We Review Your Needs
We review your details to identify a broker suited to your investment finance needs.
03
Speak With Your Broker
Your matched broker discusses borrowing capacity, loan structures and possible lender options.
04
Prepare Your Finance Strategy
Understand suitable finance pathways and prepare for a possible investment loan application.
Understand what may affect investment finance
Investment lending decisions can depend on your financial position, the proposed property, expected rental income, available deposit or equity and the lender's serviceability assessment.
- ✓ Available deposit or usable equity
- ✓ Expected rental income and vacancy allowance
- ✓ Existing home loans and other financial commitments
- ✓ Interest-only or principal-and-interest preferences
- ✓ Property type, location and lender policy
Important things to understand before financing an investment property
Understand common investment loan considerations before deciding how to finance your next property purchase.
How much deposit may an investor need?
Deposit requirements vary by lender, property type and financial circumstances. A larger deposit or more usable equity may reduce the loan-to-value ratio and borrowing costs.
How do lenders assess rental income?
Lenders may use only part of the expected rental income and may apply vacancy or management allowances when assessing serviceability.
Should you choose interest-only repayments?
Interest-only repayments may improve short-term cash flow but do not reduce the loan principal during the interest-only period and can increase total interest costs.
Can existing property equity help fund the purchase?
Usable equity may contribute toward a deposit and purchase costs, subject to valuation, serviceability and lender requirements.
Frequently asked questions
Common investment property loan questions
Simple answers to help you prepare for an investment property finance discussion.
Borrowing capacity depends on income, expenses, debts, available deposit or equity, expected rental income and the lender's assessment rules.
Yes. Lenders may include part of the expected rental income when assessing the application, but the percentage used varies.
It may be possible to use available equity, subject to a property valuation, serviceability assessment and lender policy.
Interest-only repayments cover interest for an agreed period, while principal-and-interest repayments gradually reduce the loan balance.
A broker can compare suitable investment loan options from lenders on their panel and explain rates, fees, features and lending requirements.
No. You can discuss your investment plans and finance options before deciding whether to submit a loan application.
Find your mortgage broker
Take the next step toward your next investment property
Tell us about your investment plans and we will help connect you with a suitable mortgage broker.
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Quick investment finance enquiry
Share your goals and property plans in only a few minutes.
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Matched around your investment goals
Your financial position, property plans and timeframe guide the match.
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No obligation to proceed
Understand your options before making a decision.