Build your property portfolio with a financing strategy.
Buying an investment property isn't simply about finding a property you like. The way your loans are structured can influence your cash flow, borrowing capacity and ability to purchase again in the future. We help investors structure finance around both the property they're buying today and the portfolio they want to build tomorrow.
Three things every investor should understand
Cash flow
Interest-only lending can reduce repayments during the interest-only period, potentially improving short-term cash flow. However, because the principal isn't being reduced, repayments can increase when the loan moves to principal and interest. The right structure depends on your overall strategy.
Equity
Existing property equity can potentially be used towards the deposit and costs of another investment. This can help you grow without relying entirely on additional cash savings — but it also increases your overall debt exposure.
Growth and risk
Property can create long-term wealth through capital growth and rental income, but neither is guaranteed. Markets fluctuate, properties can underperform and investment costs can exceed rental income. Your finance strategy needs to account for those risks.
Finance for your investment strategy
Depending on your circumstances, we can help you explore:
- Investment property loans
- Principal & interest lending
- Interest-only structures
- Equity releases
- Low-deposit investment options
- Guarantor solutions
- Trust lending
- Portfolio lending strategies
- Refinancing for investment purposes
How can you fund your next investment?
Use existing equity
If you've built equity in your home or another property, you may be able to access part of it to fund your next purchase. Potential advantage: Less reliance on cash savings. Consideration: Your total debt increases and your available equity decreases.
Use your savings
A larger cash contribution can strengthen your application and may help reduce or avoid LMI. Potential advantage: Lower overall leverage. Consideration: Don't use every dollar you have. Maintaining a cash buffer is important.
Use family or guarantor support
A guarantor arrangement may help some buyers enter the market with a smaller deposit. Potential advantage: Lower upfront contribution. Consideration: The guarantor takes on financial risk and should understand the arrangement fully.
Growing beyond your first investment
As your portfolio grows, your financing strategy becomes increasingly important. One lender may work well for your first property but become restrictive as your portfolio expands. That's why experienced investors often use multiple lenders and keep properties appropriately structured rather than putting everything with one bank.
Lenders assess your:
- Income and living expenses
- Existing debts and overall serviceability
- Rental income
- Equity and loan structure
- Number and value of existing properties
What we look at before your next purchase
We assess the bigger picture: Current property → Available equity → Existing debt → Rental income → Borrowing capacity → Next purchase → Future borrowing capacity. This allows us to consider not just whether you can buy the next property, but how that purchase affects what you can do afterwards.
Investment finance isn't one-size-fits-all.
Tailored to your goals
Whether you're purchasing your first investment property or building an established portfolio, we'll compare lending options based on your goals and circumstances.
Understand the trade-offs
We'll help you understand the trade-offs before you commit, ensuring you are well-informed.
Your next property should fit into a bigger plan.
Let's review your current position and explore what your next investment could look like.
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Frequently Asked Questions
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