MFAA Member · ACL 389328 · Investor Specialists
Investment Property Loan — Investment loans
that build a
portfolio.
Whether you're buying your second property or your tenth, the way you structure debt determines what you can do next. We work with active investors across Australia to structure debt that compounds — not constrains.
Are you on the right rate?
Check your variable home loan against today's top 10 lenders.
Should you fix your rate?
Run the numbers on fix vs float for your remaining loan term.
The wrong structure caps you at two.
Most investors hit a serviceability wall by their third property — because every loan sits with the same lender. We spread loans across 50+ lenders so caps don't stop your growth.
Tax-deductible vs non-deductible debt.
Mixing the two is the most common — and most expensive — investor mistake. We structure split loans your accountant can actually work with.
Equity release for the next acquisition.
Top-up vs new loan vs refinance — each has trade-offs. We model the cleanest path for your next deposit, factoring in cross-collateralisation risk and rate impact.
From first call to settlement
Easier than you'd think.
Send your portfolio snapshot
Current loans, equity, rentals, timeline. We pre-read before the first call.
We model servicing across 50+ lenders
Different lenders calculate servicing differently. We map your real capacity.
Strategy session
Structure options, scenarios, next-purchase plan, refinance candidates.
We submit + review annually
Through to settlement, then annual review — rebroker when better terms emerge.
Investment loans library
Browse investment loans guides
Browse our 8investment loans guides, grouped by topic and written in plain English. The full searchable library lives in The Lab.
Investing fundamentals
4 guidesYield, equity and the numbers behind an investment purchase.
Applying and structuring
4 guidesPre-approval, documents and strategies like debt recycling.
Frequently asked questions.
How many investment properties can I own through Finance Lab?
There's no FL-imposed cap. The cap depends on your servicing capacity, deposit position, and lender appetite. We've worked with investors holding 2 to 12+ properties. The key is structuring debt across multiple lenders so single-lender exposure caps don't bottleneck you at property 3-4.
What's cross-collateralisation and why does it matter?
Cross-collateralisation is when your existing property is used as security for a new investment loan, instead of just the new property. It's the default at most banks — and it's often a mistake. It complicates equity release, makes the exit harder, and can drag your whole portfolio down if one property loses value. We review this on every investor file.
Should investor loans be interest-only or principal & interest?
Most investors use interest-only for the IO term (typically 1-5 years) to maximise tax-deductible debt and free up cashflow. After the IO period the loan converts to P&I. We review every IO loan 6 months before rollover to catch APRA-driven rate changes and re-strategise.
Can I use my super to invest in property?
Yes — through a self-managed super fund (SMSF) Limited Recourse Borrowing Arrangement. It's complex, compliance-sensitive, and not every lender wants SMSF files. See our SMSF lending page for the structure and our approach.
Do investor loans have higher interest rates than owner-occupier loans?
Usually yes — typically 0.2-0.5% higher. Investor IO loans even higher. The gap varies by lender. We compare investor rates across 50+ lenders to make sure you're not paying the headline retention rate when there's a sharper option on the market.
Prefer to talk?
Call us
directly.
Mon–Fri 9am–5pm. Real broker, real conversation, no call-centre.
08 8121 3076Or start online
Send your
profile.
2 minutes. We'll review and call you within 1 business day.