Investment loans work differently to home loans. The structure matters — for your cash flow, your tax, and your long-term returns.
With a home loan, the goal is simple: pay it off. With an investment loan, how you structure it affects your tax position, your weekly cash flow, and what you can borrow next. Getting it wrong can cost you more than a bad rate.
One key question is interest-only vs principal and interest. Interest-only keeps repayments lower and the interest may be tax-deductible — but you're not reducing your debt. Principal and interest builds equity faster. Which is better depends on your strategy and tax situation, and that's a conversation worth having with your accountant.
A broker coordinates with your accountant and financial planner so the loan structure fits the bigger picture — not just the deal in front of you.
Interest-only keeps your repayments lower and preserves cash flow — common for investors because the interest may be tax-deductible. Principal and interest builds equity faster. The right choice depends on your strategy and your tax position.
If you own a home with equity, you may be able to use it as a deposit or security for an investment loan — without needing a separate cash deposit. A broker assesses your equity position and structures the borrowing accordingly.
How your loan is set up affects your tax return. A broker coordinates with your accountant and financial planner to make sure the structure fits your overall financial picture — not just the property purchase.
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It depends on your strategy and tax position. Interest-only keeps your repayments lower and the interest may be fully tax-deductible — which suits investors focused on cash flow and negative gearing. But you're not reducing your debt, so your equity grows more slowly. Principal and interest builds equity faster. Your accountant can advise what makes sense for your situation — a broker makes sure the loan is set up to match.
Yes, in many cases. If you've built equity in your home, you may be able to access it to fund the deposit on an investment property — without needing a separate cash deposit. This is called equity release, and it's a common strategy for people buying their first investment. A broker will assess your equity position and structure the borrowing so both loans are manageable.
Cross-collateralisation is when a lender uses multiple properties as security for a single loan — or links your loans together. It's something some lenders push, but it can limit your flexibility down the track: selling one property may require the lender's sign-off on others. Most advisers recommend keeping investment loans separate where possible. A broker will structure your loans to give you options as your portfolio grows.
There's no fixed limit — it depends on your income, your existing debt, and which lenders you use. Some lenders restrict investment lending once you have more than a few properties or reach certain exposure levels. A broker knows which lenders are more flexible for portfolio investors and can map out a borrowing strategy that leaves room to grow.
No commitment, no paperwork. Just a conversation about where you're at and what your options look like.