Investment loans
Investment loans structured for the next purchase, not just this one
How you set up your first investment loan affects what you can borrow for the second and third. We help investors choose the lender, the structure and the order of moves.
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Who this suits
- You're buying your first investment property
- You're growing a portfolio and want a plan
- You want to use equity in your home
- You're considering a trust or company structure
How it works
- Where you are nowYour equity, income, existing loans and goals.
- Structure firstSeparate loan splits, offset accounts, interest-only or principal and interest, and avoiding properties being tied together.
- Lender orderLenders assess existing debts differently, so the order you use them in can affect your next loan.
- Settle, then reviewWe review your loans every six months and plan the next step with you.
Things worth knowing
Keep properties separate where you can
When one loan is secured by two properties, selling or refinancing one gets harder. Standalone loans keep your options open.
Interest-only has trade-offs
Lower repayments now, higher repayments later, and some lenders assess it differently when you apply for the next loan.
Rent is counted at less than 100%
Most lenders count only part of the rent, often around 80%, to allow for vacancies and costs.
Tax questions go to your accountant
We explain the lending side and how it fits with ownership and structure. Tax advice should come from your accountant.
Documents you'll usually need
- Photo ID
- Payslips, or tax returns if you're self-employed
- Three months of bank statements
- Statements for existing loans
- Leases or rental statements for properties you own
- A rental appraisal for the new property
We'll confirm exactly what your lender needs, so you don't gather anything twice.
Watch: Rahul explains
Calculators for this
Questions
Can I use the equity in my home as a deposit?
Often, yes. Many investors borrow against their home's equity for the deposit and costs. Our usable equity calculator gives you a starting figure.
How much deposit do I need for an investment property?
Commonly 10% to 20% plus costs. With less than 20%, lenders usually charge lenders mortgage insurance.
Should I fix or go variable?
It depends on your plans and appetite for certainty. Many investors split the loan to get some of each. We'll talk through the trade-offs.
General information only. It doesn't consider your objectives, financial situation or needs. Lending criteria, fees and charges apply.
Ready when you are.
Book a 20-minute call. We'll listen first, explain your options in plain English, and tell you what we'd do next.