Grow Your Property Investments with the Right Loan

Finance residential or commercial properties with flexible loan options.

residential and commerical high rise apartment building in inner melbourne

What Is an Investment Loan?

An investment loan provides financing to purchase or refinance residential or commercial properties for rental income or capital growth. These loans are structured to meet property investment strategies, helping borrowers manage repayments while maximising returns.

How Investment Loans Work

Investment loans differ from home loans as they are designed for income-generating properties rather than primary residences.
advisor showing plan of investment to clients

Borrowers secure funding to buy, build, or refinance an investment property.

Loan repayments are structured based on fixed or variable interest rates.

Some loans offer interest-only repayment periods to lower initial costs.

Rental income can be used to support repayments and build equity.

Who Can Use an Investment Loan?

Our team helps individuals and families find the right coverage. We assist in selecting policies, explaining benefits, and guiding you through the claims process.

First-Time Investors

Finance an entry-level investment property.

Portfolio Investors

Expand an existing property portfolio.

Developers

Secure funding for property development projects.

Business Owners

Purchase commercial properties for rental income.

Types of Investment Loans

Fixed-Rate Investment Loan

The interest rate remains the same for a set period, providing predictable repayments.

Variable-Rate Investment Loan

The interest rate fluctuates based on market conditions, affecting repayment amounts.

Interest-Only Investment Loan

Borrowers pay only interest for a period before starting full repayments.

Line of Credit Investment Loan

Provides flexible access to funds using home equity for property investment.

What Investment Loans Cover

Investment loans can be used to:

Purchase rental properties

Secure financing for residential or commercial rentals.

Refinance an existing investment loan

Adjust loan terms for better rates.

Fund property renovations

Improve rental properties to increase returns.

Leverage home equity

Access funds for additional property purchases.

How to Choose an Investment Loan

Investment loans differ from home loans as they are designed for income-generating properties rather than primary residences.
balancing the property

Assess Investment Goals

Determine borrowing capacity based on income and expenses.

Compare Loan Options

Review interest rates, repayment terms, and features.

Understand Loan Fees

Consider application fees, ongoing charges, and exit costs.

Submit an Application

Provide financial documents for loan approval.

Manage Loan Repayments

Make regular payments and adjust terms if needed.

How to Choose an Income Protection Policy

Investment loans differ from home loans as they are designed for income-generating properties rather than primary residences.

advisor showing plan of investment to clients

Who Can Use an Investment Loan?

Our team helps individuals and families find the right coverage. We assist in selecting policies, explaining benefits, and guiding you through the claims process.

Types of Income Protection Insurance

What Investment Loans Cover

How to Choose an Investment Loan

Investment loans differ from home loans as they are designed for income-generating properties rather than primary residences.

balancing the property

FAQs

Investment loans are designed for rental properties, while home loans are for owner-occupied residences.
Yes, rental income can help offset repayments, but lenders may assess borrowing power based on income, expenses, and other factors.
Most lenders require a minimum deposit of 10-20%, but borrowing terms vary.
Interest-only loans lower initial repayments, but full principal repayments start after the interest-only period ends.
Yes, refinancing allows investors to access better rates, adjust repayment terms, or release equity for additional purchases.

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