Investment Properties

Build your property portfolio with expert guidance

Investment Properties

Property investment can be a powerful wealth-building strategy, but it comes with its own set of rules and requirements. From LVR restrictions to rental yield calculations, there's a lot to consider.

Our advisers work with property investors at all stages – from buying your first investment property to building a multi-property portfolio. We understand the unique challenges investors face and how to structure loans for maximum benefit.

We can help you access equity in your existing properties, find lenders with investor-friendly policies, and structure your loans to optimise cash flow and tax efficiency.

How We Can Help

Calculate your borrowing capacity for investment properties

Access equity in your home or existing investments for new purchases

Navigate the different LVR requirements for investors (typically 35-40%)

Structure loans to maximise rental yield and cash flow

Compare lender policies on rental income assessment

Advise on interest-only vs principal & interest repayments

Help you understand the tax implications of different loan structures

Frequently Asked Questions

Currently, most banks require a 35-40% deposit for investment properties due to LVR restrictions. However, if you have equity in your own home, you may be able to use this as your deposit. We can help you calculate your available equity.
Yes, this is one of the most common ways to fund an investment property deposit. If your home has increased in value or you've paid down your mortgage, you may have usable equity. We can calculate how much you could access.
Interest-only loans have lower repayments and can improve cash flow, but you're not paying down the loan. Principal & interest builds equity but costs more monthly. The right choice depends on your investment strategy and tax situation.
Banks typically assess 60-80% of the expected rental income when calculating your borrowing capacity. Policies vary between lenders – some are more generous than others. We know which lenders are most investor-friendly.
Tax rules for property investors have changed significantly. The bright-line test and interest deductibility rules can affect your returns. We recommend consulting a tax accountant for specific advice on your situation.

What Our Clients Say

When my husband was made redundant, we both made a choose to move to a smaller town. Having a good size deposit, but still no jobs, no bank would take the chance. Thinking outside the box and contacts through mortgage labs. We were able to make temporary arrangements so we could purchase our house. Once we were settled in with jobs, we were able to smoothly move from our temporary arrangements to a bank of our choose. Mortgage labs also helped with our retirement plans. In was a stressful time, but with personalized service we felt like mortgage labs had our backs. Time and money saved with expert advice clarity. Thankyou Lynne Dent for Mortgage Labs. Katrina and Heath, Balclutha

#Katrina Bennett

Lynne DentLynne Dent

Very friendly and very good to give advice

Excellent experience working with Nicola to help me buy my first home!

jonty valentine

Nicola WintersNicola Winters

Ready to Get Started?

Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.