An investment loan structured around your strategy, not just this purchase. Some lenders accept deposits as low as 10%, and the right structure keeps your borrowing power for the property after this one.
Investors lose borrowing power in two quiet ways: a loan structure that ties up equity, and a lender that discounts rental income heavily. Investment loans usually carry slightly higher rates than owner-occupier loans and different tax treatment, so the structure is worth getting right before you buy.
| Option | Use it for |
|---|---|
| Standard investment loan | Principal and interest on a residential investment |
| Interest-only investment loan | Lower repayments for a set period while you hold the property |
| Equity release | Using equity in your home or another property as the deposit |
| Renovation and value-add | Funding improvements that lift rent or value |
| Investment loan refinance | A sharper rate or better structure on an existing investment |
| SMSF property loan | Buying through your super fund (see SMSF page) |
Properties you can finance: houses, apartments, commercial property such as offices and retail, and multi-unit developments.
For buyers of investment property.
Tap any one to read the detail.
Starts with a free assessment
The lender that funds your loan pays us a commission when it settles. If a fee ever applies, for example on a complex or commercial loan, it is agreed in writing before any work starts, and our credit guide sets out exactly how we are paid.
“Highly recommend Mortgage Pass. Excellent service from start to finish. Julie made the whole process so much easier! She’s extremely thorough, goes above and beyond to find the best deal, and keeps you updated every step of the way. Very professional, knowledgeable and always happy to help. If you’re looking for a reliable and helpful broker, Julie is your go-to!”
“We wanted to cash out against our home to renovate and had no idea where to start. Julie was so helpful from day one. She walked us through all our options, explained the numbers clearly, and found us a great deal that let us access the equity without messing up our existing loan. Communication was excellent the whole time, everything was handled quickly and settlement was smooth. Made what could have been stressful actually really easy. Highly recommend Julie if you need a mortgage broker.”
“We couldn't recommend Julie from Mortgage Pass highly enough! From the very beginning, Julie was professional, knowledgeable, and incredibly supportive throughout what turned out to be a challenging loan process. Thanks to Julie's hard work and determination, we've secured the finance to build our dream home. If you're looking for a mortgage broker who will go the extra mile, Julie is the person to call. Thank you, Julie, we're so grateful for everything you've done to help make our dream a reality!”
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