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

We’re incredibly grateful to Roger Fairbairn for guiding us through the process of securing our first home loan. From the very beginning, he was patient, thorough, and always willing to explain every question we had in detail. He helped us understand our options clearly, which made choosing the right mortgage plan much easier and less stressful. What really stood out was his willingness to take calls after business hours when we needed urgent advice—his dedication and professionalism made a huge difference during a time that can often feel overwhelming. Thanks to his support, we felt confident every step of the way. We highly recommend him to anyone looking for a knowledgeable and genuinely helpful financial adviser.

Susan is an awesome adviser. She goes over what is required based on your needs. She has been very helpful to us securing a new loan and also restructuring our existing ones, getting the best deals. She is very easy to communicate with. She ensures our loan-related queries are answered and understood perfectly well by us. She guides you all the way of the process. Her email replies are quick too! Susan is best at what she does, going well beyond what we anticipated and expected.

We are so grateful to have Nicola as our mortgage advisor who has been so kind, professional, helpful and flexible to walk us through every step of getting our first home.

Ready to Get Started?

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