Investment Property Loans Australia: Compare 60+ Lenders and Grow Your Portfolio

They work similarly to a standard home loan, but lenders also assess expected or actual rental income, and often apply slightly different rates and deposit requirements to owner occupier loans.

Most lenders look for 10 to 20% of the property value, either as cash savings or usable equity in another property.

Interest only repayments cover interest alone for a set period, which can help cash flow. Principal and interest repayments reduce the loan balance from day one, building equity faster but with higher repayments.

Yes, most lenders will count a percentage of rental income toward your borrowing capacity, though the exact percentage varies by lender.

It means using one property as security for another loan, which can limit flexibility later if you want to sell or refinance a single property. We will explain whether it makes sense for your situation or whether a cleaner structure suits you better.

If your deposit or equity is under 20%, LMI generally applies, the same as it would for an owner occupier loan.

Yes, this is a common strategy. We assess how much usable equity you have and how it fits into a wider borrowing structure.

Often slightly, yes. Lenders generally price investment lending a little higher, though this varies and we compare across our panel to find competitive options.

Yes. Tax outcomes depend on your personal circumstances, so we work alongside your accountant, or can refer you to one, while we focus on the loan structure itself.

Banks only show their own products, and only have to offer what is in their own range. As a broker, we are legally required under the Best Interests Duty to prioritise your interests, we compare many lenders, explain the fine print, and manage the process end to end.