Investment property loans
From first rental to your portfolio that funds the rest of your life.
Investment lending is a different game. Different servicing tests, different deposit rules, different traps. We play it well.
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What's different about investment lending
Three things to know upfront.
Higher deposits
Most banks want 35–40% deposit (or equivalent equity) for residential investment, vs 20% for owner-occupier.
Tougher servicing
Banks stress-test investment loans at higher rates and only count a fraction of rental income. Real numbers, not headline numbers.
Structure matters more
Offset, revolving, IO vs PI, separate vs cross-secured — the structure dictates what your next move is possible.
FAQs
Common investor questions.
Building a portfolio?
Let's talk strategy before structure.
The first rental is the easiest one to get wrong in a way that costs you on the next three. We'll start with where you're heading.
