Investment Loans

• Working out your borrowing capacity for an investment purchase, including how existing loans factor in

• Structuring your loan to support future purchases, not just the one in front of you

• Comparing interest-only versus principal and interest options for your situation

• Understanding how equity in an existing property can fund a deposit

• Coordinating with your accountant or financial planner where useful, so your finance and tax strategy line up

• Comparing lenders across my panel to find genuinely competitive investment loan options

If this isn't your first investment, or you're planning for it not to be your last, how this loan is structured matters beyond just this purchase. The way your existing properties, equity, and serviceability line up can either set you up well for the next purchase, or make it harder than it needs to be.

I'll always ask where you're trying to get to, not just what you're trying to buy right now, so the structure works for your longer-term plan.

I look past the single transaction. Investment lending done well factors in what comes next, I'll structure this purchase with an eye on your broader goals, not just today's approval.

I work alongside your other advisers. Where it's useful, I'll coordinate with your accountant or financial planner so your finance strategy and tax position are working together, not against each other.

You get me directly. Same person from the first conversation through to settlement, and for the next property after that.

• Should I choose interest-only or principal and interest for an investment loan? It depends on your cash flow needs and overall strategy, interest-only can free up cash flow short-term, but you're not building equity in the same way. I'll talk through what makes sense for your situation rather than defaulting to one or the other.

• Can I use equity in my home to fund an investment deposit? Often, yes, if you've built up enough equity, it can be used instead of (or alongside) cash savings for your deposit. I'll work out what's actually available to you.

• How many investment properties can I realistically hold? There's no fixed number it comes down to your income, existing debts, and how each property is structured. This is exactly the kind of longer-term planning worth talking through properly rather than guessing.

• Do I need a different loan structure for an investment property than my home loan? Often, yes the right structure depends on your goals, tax position, and whether you're planning to buy again. I'll set this up properly from the start rather than adjusting it later.