Investment Lending That Grows With Your Portfolio
The right loan structure is as important as the right property. We set up your investment finance so you can keep buying - not just this time, but next time too.
Structure Matters as Much as Rate
An investment loan done right preserves your borrowing capacity, maximises your tax position, and sets you up for the next purchase. We think ahead, not just about today's deal.
Investment Loan Snapshot
From First IP to Full Portfolio
We think about every purchase in the context of your overall strategy.
Strategy Session
We review your existing loans, assets, and goals to understand your full position before recommending anything.
Lender Selection
We match you to the right lender for investment - not all lenders treat investment loans the same way. Rate, IO availability, and policy matter.
Application
We prepare a strong application and manage the lender process. Investment applications often have more documentation - we handle that for you.
Settlement & Beyond
We settle the loan and stay in touch. As your portfolio grows, we keep your structure optimised.
Who Can Apply for Investment Finance?
Investment property lending has its own set of lender policies. You're well-placed to apply if:
- You own your own home or have equity in existing property
- You have stable income sufficient to service additional debt
- You have a deposit of at least 10% for the investment property
- You have a clean credit history with no defaults or judgements
- You have a clear investment strategy (buy-and-hold, capital growth, yield-focused)
Investment Property Loan FAQs
Most lenders require 10 - 20% for investment properties. A 20% deposit avoids LMI. Some lenders allow 10% with LMI - we compare both scenarios for you.
This depends on your strategy. Interest-only maximises cash flow and keeps tax deductions higher - useful while you're building the portfolio. P&I builds equity faster. We discuss your goals and recommend the right structure.
Yes. This is a common and tax-efficient way to fund investment property deposits. We structure a split loan or line of credit against your home equity.
Yes - every loan reduces your future borrowing capacity. This is why loan structuring matters so much for investors. We set up your loans with future growth in mind.
Absolutely. Portfolio lending is one of our specialties. We review your entire structure and ensure it's optimised for further growth.
Talk to an Ignite Broker Today
Whether you're ready to apply or just exploring your options - we're here to help with no obligation.
Book Your Free Consultation
A no-obligation chat with Ali or one of our team. We'll walk through your options and give you a clear picture of what's possible.
Or call 08 8379 3636