Investment Property Loans
Explore tailored investment property loans designed to help Australians grow their wealth through smart property investment. Whether you’re just starting or expanding your portfolio, we make financing your next investment property simple, strategic, and stress-free.
- 25+ Years of Trusted Investment Property Loan Experts
- Tailored investment loan solutions to suit your strategy
- Fast approvals with expert guidance at every step
Smarter Investment Property Loans for Long-Term Growth
Our expert team is here to guide you through the complexities of investment property loans, helping you make confident, informed decisions. From leveraging equity to structuring your loan around your investment strategy, we support you every step of the way—today and as your property portfolio grows.
Start Building Your Property Portfolio Today
Take the first step towards financial growth with expert guidance on investment property loans. Whether you’re exploring your first investment property or expanding your existing portfolio, we offer tailored advice and smart strategies to help you succeed.
- 👉 Talk to our Brisbane Home Loan Experts Today
- 📞 Call us at (07) 3263 4123 or visit our Aspley office to get started
What is an Investment Property Loan?
An investment property loan is a type of finance used to purchase a property with the intention of generating a return—either through rental income, future resale value, or both. Unlike owner-occupied home loans, investment property loans are structured to align with your investment strategy, offering flexible repayment options and terms tailored to maximise financial returns.
In Australia, these loans are popular among individuals looking to grow their wealth through the property market. Lenders assess your ability to repay based not only on your current income, but also on potential rental income from the property.
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How can we help you?
At Fast Track Home Loans, we specialise in helping Australians navigate the world of investment property loans with clarity and confidence.
Whether you’re a first-time investor or looking to expand your investment property portfolio, we can assist by:
- Assessing your financial situation and loan eligibility
- Identifying the right loan product that aligns with your investment strategy
- Explaining lending policies and conditions in plain English
- Structuring your loan to maximise tax efficiency and cash flow
- Providing long-term support as your portfolio grows and your goals evolve
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What are the different types of investment property loan?
There are several types of investment property loans available in Australia, each catering to different needs and financial strategies:
Interest-Only Loans
With this option, you only pay the interest for a set period (usually up to 5 years). This can help minimise repayments in the early stages, especially when you’re building your investment portfolio.
Principal and Interest Loans
These loans require you to pay both the principal and the interest from day one. They help reduce the loan balance over time and can lead to lower total interest costs.
Fixed-Rate Loans
Your interest rate is locked in for a specified term, offering certainty in repayments and helping with budget planning.
Variable-Rate Loans
Rates can fluctuate with the market. These loans offer greater flexibility and may include features like offset accounts or redraw facilities.
How to finance your property investment
Financing your investment property involves several key steps:
Assess Your Financial Position
Before applying for an investment loan, evaluate your savings, equity in existing property, and ongoing cash flow. Your borrowing capacity will depend on these factors.
Choose the Right Loan Structure
Decide between interest-only or principal and interest repayment options. Your choice should align with your long-term investment strategy.
Use Your Equity
If you own a home or another property, you may be able to access the equity in that asset as a deposit for your new investment property.
Seek Pre-Approval
Obtaining pre-approval gives you confidence when searching for the right investment property and helps streamline the buying process.
Work With the Right Lending Specialist
Partnering with experienced brokers ensures you access competitive investment property loans Australia wide, and receive expert advice tailored to your financial goals.
Frequently Asked Questions
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Can I use equity from my home for an investment loan?
Yes. The equity in your home can be used as a deposit or collateral for an investment property loan, reducing your need for upfront cash savings.
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How much deposit do you need for an investment property?
Typically, lenders require a minimum deposit of 10% plus purchase costs (e.g. stamp duty and legal fees). If your deposit is under 20%, Lenders Mortgage Insurance (LMI) may apply. Equity from another property may be used in place of a cash deposit.
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Are interest-only loans a good option for property investment?
They can be. Interest-only loans help reduce your repayments in the short term, which may improve cash flow. However, they usually come with higher interest rates and do not reduce your loan principal during the interest-only period.
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Can I use rental income to qualify for a loan?
Yes. Most lenders will include 70% to 90% of the rental income from your investment property in their assessment. This helps improve your borrowing capacity but varies by lender.
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How do I choose the right investment loan structure?
The best loan structure depends on your investment strategy, risk tolerance, and financial goals. Our team can help you compare the benefits of different investment property loans Australia wide.
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