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Investment Property Loans Sydney

Grow your property portfolio without the lending headaches

First investment or expanding your portfolio: we help you borrow smarter

Building wealth through property requires the right loan structure, not just the lowest rate. We help investors secure appropriate finance and structure it properly from the start.

Investment lending plays by different rules

Lenders assess investment property loans differently to home loans for the property you live in. Understanding these differences helps you prepare a stronger application and structure your borrowing appropriately.

Interest rates are typically higher.

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Investment loan rates are usually 0.2% to 0.5% higher than owner-occupied rates. This is standard across most lenders.

Rental income is assessed conservatively.

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Lenders do not count 100% of your expected rent. Most use 70% to 80% to account for vacancies, management fees, and other costs. We know how different lenders calculate this.

Your existing debts affect borrowing capacity.

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Your home loan, credit cards, and other commitments reduce what you can borrow for an investment. We assess your full position to give you a realistic picture.

Loan structure matters for tax and growth.

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How your investment loan is set up, including whether it is interest-only or principal and interest, standalone or cross-collateralised, affects your tax deductions and future flexibility. Getting this right from the start is important.

Deposit requirements vary.

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Most lenders require at least 10% to 20% deposit for investment properties. Some accept less with Lenders Mortgage Insurance, but policies differ between lenders and property types.

No two investors are the same. Neither are their loans.

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First investment property

Taking the step from homeowner to investor, or buying an investment before your own home (rentvesting). We explain how lenders assess your application, what deposit you need, and how an investment loan affects your future borrowing capacity.

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Using equity to invest

Your home or existing investment properties may have grown in value. Accessing this equity can fund your next deposit without saving from scratch. We assess your equity position and structure the borrowing appropriately.

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Expanding your portfolio

Adding a second, third, or subsequent investment property involves more complex serviceability calculations. Lenders look at your entire debt position and rental income across all properties. We work with investors building portfolios over time.

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Rentvesting

Buying an investment property while continuing to rent where you want to live. This strategy suits people who want to enter the property market in affordable areas while maintaining lifestyle flexibility. We structure loans for rentvesters at various stages.

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SMSF property investment

Buying property through your self-managed super fund has specific lending requirements. If you are considering this path, we have specialist SMSF lending expertise.

Investment Property Calculators

Our calculators give you a clear picture of what you can afford, your estimated repayments, and how much deposit you’ll need so you can move forward with confidence.

Explore Our Calculators

Here's what actually happens

The typical finance process from first conversation to settlement.

Discovery
Session

We discuss what you’re trying to achieve and your current financial position. No paperwork needed yet, just a conversation. It takes about 30 minutes.

Information Gathering

We work out what documents we need and explain why banks need them. You gather information while we assess your borrowing capacity.

Analysis & Recommendations

We analyse your position, present you with options that actually fit, and explain which lenders suit your situation and why.

Application
& Approval

We handle the paperwork, bank conversations, and keep you updated through each stage. You stay informed throughout.

Documentation
& Settlement

We coordinate with solicitors, manage the documentation process, and see your loan through to settlement. Usually 3-4 weeks from application to settlement, depending on complexity.

What clients say

Jonathan understood our complex business structure when others couldn’t. His commercial expertise made the difference.

Michael, Western Sydney

Commercial Property Loan

Jonathan understood our complex business structure when others couldn’t. His commercial expertise made the difference.

Michael, Western Sydney

Commercial Property Loan

Jonathan understood our complex business structure when others couldn’t. His commercial expertise made the difference.

Michael, Western Sydney

Commercial Property Loan

Jonathan understood our complex business structure when others couldn’t. His commercial expertise made the difference.

Michael, Western Sydney

Commercial Property Loan

Jonathan understood our complex business structure when others couldn’t. His commercial expertise made the difference.

Michael, Western Sydney

Commercial Property Loan

Jonathan understood our complex business structure when others couldn’t. His commercial expertise made the difference.

Michael, Western Sydney

Commercial Property Loan

Questions we get asked

Most of our clients are in Sydney metropolitan areas, particularly inner Sydney and Eastern suburbs, but we work throughout greater Sydney and nationally. Your location doesn’t limit whether we can help. It’s about whether your situation suits our expertise.

Yes, both residential investment properties and commercial property investments. We work with investors building property portfolios, SMSF trustees buying through super, and business owners acquiring commercial premises.

Yes. Refinancing home loans, commercial facilities, or restructuring existing debt across multiple properties. If you’re looking to reduce rates, consolidate loans, or access equity for other purposes, we can assess what makes sense for your situation.

That’s when talking to us makes most sense. Self-employed income, multiple entities, previous credit issues, SMSF structures, or situations that don’t fit neat categories are exactly the scenarios where broker expertise helps. We assess what’s genuinely possible and explain your realistic options.

This is where our expertise makes the biggest difference. We understand cross-collateralised security, how to present business cash flows, and what banks need to see from multiple entity structures. We translate complex business arrangements into formats banks understand and can assess properly.

Genuine commercial finance expertise. Most brokers focus on home loans and refer complex commercial work elsewhere. We handle it ourselves, from sole traders to businesses with $100 million facilities. If you’re a business owner who also needs personal finance, having one broker who understands both creates useful continuity.

Yes. We work Australia-wide. While most of our clients are in Sydney metropolitan areas, we serve clients throughout the country through phone and video conversations. Location doesn’t limit who we can help.

Sometimes, yes. Banks decline for specific reasons. If we can address what caused the decline or if a different lender has different criteria, we may have options. We’ll assess your situation honestly and tell you whether we think we can help.

Standard home loans typically take 3-4 weeks from application to settlement. Commercial loans and complex arrangements can take several months depending on the structure and what banks need to assess. We’ll give you realistic timeframes based on your specific situation.

In most cases, no. We receive commission from lenders when your loan settles, so our service is free for you. Occasionally for complex commercial arrangements or private lending, there may be fees, but we’ll explain these upfront before you commit to anything.