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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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 Streater is an outstanding mortgage broker. He helped me secure finance for an investment property and made the entire lending process smooth and stress-free. His knowledge of investment property finance, clear communication, and ability to deliver within tight timeframes was exceptional. I would highly recommend Jonathan to anyone looking for expert mortgage or investment lending advice.

Michael Reid

March 16th, 2026

I can’t speak highly enough of Jonathan and the incredible service he provided. From day one, he went above and beyond to make the entire process smooth, stress-free, and easy to understand. His knowledge, professionalism, and genuine commitment to helping us achieve the best outcome were clear at every step. His communication was outstanding, and nothing ever felt like too much trouble. We truly felt supported and confident knowing he was in our corner. We’re incredibly grateful and highly recommend Jonathan.

Jamie Kentwell

November 22nd, 2025

We had such a great experience with Jonathan from JEM Finance Group. Jonathan made the whole refinancing process so much easier than I expected, he took the time to really understand my situation and explain everything in simple terms.

Jonathan was always quick to reply and really went out of his way to find the best deal for us which made the whole process stress free. Jonathan explained everything clearly and kept us updated the whole time which in turn saved us $600 per month on our mortgage repayments.

Honestly couldn’t have asked for better service. If you need a mortgage broker who actually cares and makes things simple, JEM Finance Group is the way to go.

Kim Taylor

October 1st, 2025

Made life very easy and very helpful with any questions i had

Anthony Sfirse

September 24th, 2025

I would like to thank Jonathan at Jem Finance for the exceptional service and for going above and beyond to get us the outcome we desired.
Much appreciated.

Darren Vella

August 26th, 2025

We chose JEM after a friend’s recommendation, we found dealing with Jonathan very easy and always prompt to answer our queries. We are in the process of using JEM again now and could not be happier.

Jenene Johnson

July 7th, 2025

Things were handled for me, didn’t take much of my time as they did most of the work
Great service by Jonathan and the team, look forward to working with them again.

Nezar Hazim

March 31st, 2025

Great help, from beginning to end

Brendon Skinner

March 3rd, 2025

We recently chose to refinance both our home and investment loans, and we had the pleasure of working with JEM Finance Group. Jonathan took the time to thoroughly understand our needs and provided expert advice tailored to our situation. His extensive knowledge, skills, and experience were evident throughout the process, ensuring we secured our loans on the best possible terms. Jonathan was professional, efficient, and easy to work with. I highly recommend their services.

August 26th, 2024

Great service, professional, efficient, obtain best rates/deals, very transparent and informative. I will not hesitate to recommend JEM Finance Brokers to all my family, relatives and friends. Thank you Jonathan greatly appreciated.

Mark

August 9th, 2024

Questions we get asked

Ask Your Question

Can I buy an investment property through my SMSF?

Yes, but SMSF property lending has specific requirements. The loan must be structured as a Limited Recourse Borrowing Arrangement (LRBA) and the property held in a bare trust. We have specialist SMSF lending expertise and work with your SMSF adviser to ensure the structure is correct.

Can I use the equity in my home to fund an investment property?

Yes. If your home has increased in value or you have paid down your loan, you may be able to access that equity as a deposit for your investment property. We assess your equity position and structure the borrowing to suit.

Can you help me if I am building a property portfolio with multiple properties?

Yes. Adding second, third, or subsequent investment properties involves more complex serviceability calculations because lenders look at your entire debt position and rental income across all properties. We work with investors building portfolios over time and know how to structure borrowing to support growth.

How is an investment property loan different from a home loan?

Lenders assess investment loans differently. Interest rates are typically 0.2% to 0.5% higher than owner-occupied rates. Rental income is assessed conservatively — most lenders count only 70% to 80% of expected rent to account for vacancies and costs. Your existing debts also reduce your borrowing capacity for an investment. Understanding these differences helps you prepare a stronger application.

How much deposit do I need for an investment property?

Most lenders require at least 10% to 20% deposit, though some accept less with Lenders Mortgage Insurance. Policies vary between lenders and property types. If you have equity in an existing property, you may be able to use that as your deposit instead of saving cash.

Should my investment loan be interest-only or principal and interest?

That depends on your strategy, cash flow, and tax position. Interest-only loans reduce your monthly repayments and preserve cash flow, but you are not building equity through repayments. Principal and interest builds equity faster. We explain the trade-offs and recommend what suits your situation.

What is rentvesting?

Rentvesting means buying an investment property in a more affordable area while continuing to rent where you want to live. It is a strategy that lets you enter the property market without compromising your lifestyle. We structure loans for rentvesters at various stages of the journey.

First Home Buyers

Refinancing

Construction Loans