INVESTMENT PROPERTY LOANS
The way you borrow today can affect what you can do tomorrow. We structure your investment lending around your future borrowing options and longer-term plans.
Book a Discovery Call →★ 5.0 rating
70 Google reviews
13+ years
Broking experience
50+ lenders
Broad choice
Australia-wide
Online appointments
BEFORE YOU COMMIT
Approval does not mean the lending suits your wider position. Consider four connected decisions before proceeding.
Existing loans, income, commitments and borrowing capacity shape what may be realistic.
Consider savings, usable equity, purchase costs and the cash you want to retain.
Assess lender, structure and repayment type together - not on rate alone.
Today’s structure may affect cash flow, flexibility and future property decisions.
We assess the lending in context, so today’s purchase doesn’t limit your next move.
WHY THE FINANCE ARCHITECT
Investment lending can get complicated quickly. We help you make sense of the moving parts, understand the trade-offs and make lending decisions with the wider picture in mind.
See the whole position clearly: Dale brings your home lending, investment debt, equity, cash flow and future plans into one conversation.
Understand the trade-offs before you commit: Get clear, straightforward explanations of the options, compromises and implications - not just a lender recommendation.
Support as the portfolio evolves: We review the lending as circumstances and property plans change. Where relevant, our Debt-Free Home Strategy can help connect investment decisions with the longer-term plan for your home debt.
OUR PROCESS
01
Discuss the purchase, timing, current portfolio and future property plans.
02
Review borrowing capacity, equity, cash flow and existing lending.
03
Explain the funding options, recommend a structure and outline the trade-offs.
04
Coordinate pre-approval, the application, lender requirements and settlement.
05
Review the lending as your portfolio, cash flow and future plans change.
CLIENT EXPERIENCES
★★★★★
5.0 | Based on 70 Google reviews
I have used Dale for the finance for my two property purchases. Nothing about either application was straightforward but Dale went above and beyond to make sure everything was sorted.
Stacey
We were looking to get finance for an investment property purchase for our SMSF and they were able to simplify the process for us. Would highly recommend them for anyone looking to buy an investment
Mathew
Dale has organised three loans for me and has been fantastic every time. He is extremely helpful and knowledgeable and takes the time to thoroughly explain everything in a way that’s easy to understand.
Danielle
PROPERTY INVESTMENT LENDING FAQS
An investment property loan is a home loan used to buy a property you intend to rent out rather than live in yourself.
Lenders assess your income, expenses, existing debts, deposit or available equity and may also consider expected rental income when calculating how much you can borrow.
Investment loans can have different rates, features and repayment options from owner-occupier loans, including principal-and-interest or interest-only structures.
At The Finance Architect, we look beyond the first purchase and help structure the lending with your borrowing capacity, cash flow and future property plans in mind.
How much you can borrow for an investment property depends on your income, living expenses, existing debts, available deposit or equity, and the lender’s servicing criteria.
Lenders may also include some expected rental income when assessing the loan, but they generally allow for the possibility that rent may not cover all repayments and property costs.
Your borrowing capacity can also be affected by your existing home loan and other investment debt, so the amount available may vary significantly between lenders.
We assess your current position and future borrowing needs so the loan supports this purchase without unnecessarily limiting what may come next.
Yes, you may be able to use equity in your existing home or another property to help fund the deposit and purchase costs for an investment property.
Equity is the difference between the property’s value and the amount you still owe, but the amount you can actually access will depend on the lender’s valuation, your existing debt and your borrowing capacity.
Using equity increases your overall debt, so it is important to consider the effect on repayments, cash flow and future borrowing.
We help you assess how much usable equity may be available and structure the lending with both this purchase and your future property plans in mind.
Whether an investment loan should be interest-only or principal-and-interest depends on your cash flow, borrowing strategy and longer-term goals.
Interest-only repayments are lower during the interest-only period because you are not reducing the loan principal, but repayments can rise once that period ends and you will still owe the original loan balance.
Principal-and-interest repayments are higher initially but progressively reduce the debt over time.
We compare the repayment structure, cash-flow impact and effect on future borrowing so the loan setup supports both the current investment and what you may want to do next.
The way you structure an investment loan today can affect how much you may be able to borrow for your next property.
Lenders assess your existing repayments, loan limits, interest-only commitments, credit card limits and other debts when calculating future borrowing capacity, so a structure that works for one purchase may reduce your flexibility later. The choice of lender can also matter because servicing policies differ.
We consider the next purchase as well as the current one, so the lending is structured with future borrowing capacity and flexibility in mind.
A Discovery Call helps clarify your borrowing position, funding options and questions before pursuing an investment property. You do not need to be ready to apply.
Book a Discovery Call → ONLINE APPOINTMENTS AVAILABLE AUSTRALIA-WIDE.