Investment Loans
Investment Property Loans Structured to Grow
40+
Lenders compared
90%
Investor LVR options
I/O
Interest-only available
$0
Cost to you
Portfolio Structuring
Loans split and separated so your properties stay unencumbered by each other and refinancing stays easy.
Equity Release
Unlock usable equity in your existing properties to fund your next deposit without selling.
Cash Flow Modelling
We model repayments, rental income and buffers so you know exactly what the property costs you each month.
Complex Structures Welcome
Trusts, SMSF-adjacent scenarios and company borrowers — we know which lenders say yes.
Investment lending we arrange
How It Works
Your path to approval
Strategy Call
We discuss your goals, timeline and existing portfolio position.
Equity & Capacity
We calculate usable equity and borrowing capacity across lenders.
Structure & Approve
We choose the lender and structure that keeps your next purchase alive.
Settle & Review
We settle the loan and review annually as your portfolio grows.
Advanced Investor Strategy
Debt Recycling
Convert your non-deductible home loan into tax-deductible investment debt — without increasing your total borrowings.
Split your loan
Set up a separate investment loan split with a clean redraw facility so deductible and non-deductible debt never mix.
Pay down your home loan
Use surplus cash, a bonus, or savings to reduce the non-deductible principal on your owner-occupier loan.
Redraw & invest
Immediately redraw the same amount into income-producing assets such as shares, ETFs or managed funds.
Claim the deduction
Interest on the investment split is now tax-deductible. The total debt stays the same, but its tax character improves.
Higher-rate earners benefit most
The higher your marginal tax rate, the more valuable the interest deduction — a 47% taxpayer turns a 6% loan into an effective ~3.2% rate.
Structure matters for the ATO
Borrowed funds must flow directly into income-producing investments. Mixed accounts or personal use can void the deduction.
Part of a wider portfolio plan
Debt recycling works best alongside interest-only splits, offset accounts and a long-term investment horizon.
How the Numbers Work
Using Equity to Buy Again
A worked example of how only the required equity is released to fund the next purchase — and what the repayments look like.
You own a home worth $900,000 with a $500,000 mortgage. Most lenders will release equity up to 80% of the value without Lenders Mortgage Insurance. We only draw the exact amount required to complete the purchase — leaving the rest of your equity untouched as a buffer.
Step 1 — Equity in your existing home
Step 2 — The new purchase plus costs
Step 3 — Your new total loan position
In this scenario you buy a $600,000 investment property without touching your savings — only the $148,000 shortfall is drawn from equity, leaving $72,000 deliberately untouched as a buffer. Rental income of roughly $550–$600 per week would cover a large share of the extra repayment, and the investment loan interest is generally tax deductible.
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