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

Nicola was handed over our portfolio after the previous advisor, Karen Hyland left. We believe it was a good start by Nicola as she ascertained all the details we had provided to Karen was still relevant and valid . This includes combing thro a lot of previous documentation and asking questions/ clarifying circumstances and looking at our statements/ savings and expenses, before providing us with options on banks to choose from. She was also able to advise on "when" it would be appropriate to trigger the loan instead of attempting to close a loan accommodation successfully. She also helped in understanding the way the loans were setup in different phases of the build. This was useful as we waited until we had put almost all our savings into this house before pulling the trigger on the loan. This helped up by trimming the principal and the interest rates thereof for which we are thankful. Naturally, this cannot be accomplished without clear , honest and transparent communication on both sides. Thank you for your time and effort Nicola. Laveena and Raj

Laveena D'Souza

Nicola WintersNicola Winters

Lynne was amazing helping us get sorted for our first home. As first home buyers we didn’t know a lot about the process and it was quite daunting but she made it so easy and was super quick to answer any questions. She helped remove a lot of the stress from the process! Would definitely recommend using Lynne as your broker :)

Shannon Harrison

Lynne DentLynne Dent

Roger is very good and understanding of us inexperienced non tech savory clients and was a great teacher as I filled in the forms required. I will be recommending his services and MortgageLab to friends and family.

Malcolm Rowell

Roger FairbairnRoger Fairbairn

Ready to Get Started?

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