Investment Property Finance

When it is done right, investing in property can help you to build wealth for your future. In Australia, property is currently a very popular investment and many people are enthusiastically jumping into the market to build long term wealth for the family. But it takes careful planning and structuring of your investment property loans for your journey to be a success. 

investment property finance

The importance of correct advice

As an investor, how you set up your investment loans can have a huge impact on the success of your property portfolio. Finding creative finance strategies for growing your investment property portfolio has become more important than ever. 

Our finance brokers can help with your financing strategy and will work with your other professional advisers, ensuring your property loan structures provide the greatest taxable benefit. We will provide invaluable guidance to help you structure your investment loans correctly to protect your interests and to suit your investment goals.

Our Special Offer to Property Investors

Complimentary review of your current investment loan structure

Ensuring you have the correct investment loan structure is so important when planning for future property purchases.

We would be happy to review your current investment loan structure to ensure the foundations of your portfolio are on solid ground.

Complimentary review of your borrowing capacity

Meeting a lenders borrowing capacity requirements is key. Each lender has their own credit criteria, assessment rates and rules regarding negative gearing. Working with one of our brokers allows you to narrow down all the possible options into a investment loan product that will be in your Best Interests.

We are the industry leaders in Investment Property finance

Over many years we have worked with a number of leading Property Investment Advice companies, helping their clients structure loans and obtain competitive investment finance products to build their property portfolio. We are proud of these partnerships.



AllianceCorp Property Experts

Brix And Mortar Property Group

Aspire Property Experts

Connect with our Investment Property finance experts

Albert Kavcic

Albert Kavcic

Finance Broker
John Empey

John Empey

Finance Broker
Matt Mannaert

Matt Mannaert

Finance Broker
Matthew Papuga

Matthew Papuga

Finance Broker
Minji Kim Korean Mortgage Broker

Minji Kim

Finance Broker
Richie Kasai

Richie Kasai

Finance Broker
Russel Shaw

Russel Shaw

Finance Broker
Sally Whitworth

Sally Whitworth

Finance Broker

Choosing the right Investment Loan product

When it comes to financing your investment property, there are several different investment loan types to select. Choosing the right one will depend on your investment structure and strategy.

For most investors, a basic investment loan will include all the required features they need. They often have no ongoing fees and competitive interest rates. Offset accounts are available, but for many investors they would prefer that additional functionality on their owner occupied loan account.

There is no need to spend days or even weeks researching the options. Here are the most popular loan types used by property investors in Australia today.

Interest Only Investment Loans

Many property investors favour Interest Only Loans as they allow you to minimise mortgage repayments and outgoing costs in the short term. They require you to pay just the interest on the loan – which is usually tax deductible, and this can cost significantly less compared to repayments on a principal and interest loan. This could be a good idea if you are investing on a tight budget and require the rental income from the property to cover all of your finance costs.

However, with an Interest Only Loan the loan repayments will not pay down the principal of the loan and increase your equity. Instead, you will be relying on rental income and the value of the property increasing over time to make a profit. 

It is quite common for accountants to recommend interest only loans for investors who also have owner occupied debt, as they want their clients to focus on paying down the non tax deductable debt first before paying down the investment debt.

Variable Rate Investment Loans

Interest is generally tax deductible, so even though it may be subject to interest rate rises, choosing a Variable Rate Investment Loan for your investment property may be a good option, as it will give you flexibility and the ability to maximise your property’s profitability. Variable Rate Investment Loans frequently come with features like the ability to make extra repayments, and redraw facilities. 

Fixed Rate Investment Loans

If you are investing on a tight budget, a Fixed Interest Investment Rate Loan may be the better option for you. You will know in advance exactly what your outgoing finance costs will be and these will remain the same throughout the fixed interest period of your loan. 

Split Fixed/Variable

Using a combination of a split Fixed and Variable Rate Investment Loan could give you the best of both worlds. You can limit increases in your outgoing expenses whilst still retaining the ability to make extra repayments and redraw them when needed. This could be a big help with saving for ongoing costs like renovations and maintenance.

Remember that we are here to help you find the right investment loan to meet your personal financial circumstances and investment goals. No matter what kind of investment strategy you are planning on using, we can help you to structure your investment loans and choose the right loan products to maximise your opportunities.

Types of Investment Property purchases


Buying an existing property to rent out


Buying land and building an investment property


Buying an investment property off-the-plan

How to apply for an Investment Loan

Step 1
Connect with us
Contact one of the brokers listed to book an appointment. Appointments can be completed over the phone, over email, via an online video call, or in our offices.
Step 2
Initial Discussion
We'll chat through your current situation and objectives. Our broker will gather the information required to be able to recommend the correct structure and products for your situation.
Step 3
If appropriate our broker will recommend the loan products for you to consider. The proposal will include lender details, interest rates, set up fees and any ongoing fees. Your broker will then guide you through each recommended option to help you decide on your preferred path forward.
Step 4
If you decide to proceed, our broker will help with the paperwork to submit your application to the chosen lender.
Step 5
The bank will instruct an independent valuation firm to value the security property.
Step 6
If the lender is satisfied with the application, they will approve it and instruct their solicitor to prepare the loan offer documents.
Step 7
Loan Offer Documents
Loan documents will be sent to you to review and sign. We can guide you through this process.
Step 8
Once the loan offer documents are returned, the lender can proceed to settlement.
Step 9
Ongoing care
Your Acceptance Finance broker will guide you through this complete process, and be available to help with any queries you may have in the future.

Need to connect

with a broker?