Overview
Investment loans are specifically designed for property investors looking to build their portfolio. These loans typically have different interest rates and lending criteria compared to owner-occupied mortgages.
Lenders assess investment loans based on the property's potential rental income and capital growth, allowing savvy investors to leverage equity from existing properties to expand their real estate holdings. With the right investment loan structure, you can maximize tax benefits while creating long-term wealth through property.
Loan options
Investment loan
A loan specifically designed for purchasing investment properties, allowing you to rent our your property.
See guide
Cash-out refinance
Refinancing to borrow more than you currently owe, receiving the difference in cash, allowing you to access your home equity in cash for major expenses such as renovating or an investment loan.
See guide
Home loan top-up
When you borrow additional funds on your existing home loan, using available equity to finance renovations, investments, or other major expenses. Sometimes called a home equity loan.
See guide
Cross-collaterisation
Your existing property is used as collateral for your new investment property loan. You then have two mortgages - your original mortgage, secured by your existing property, and a new mortgage, secured by both your original property and the new property.
See guide
Supplementary loan account
An additional loan account linked to your main mortgage, allowing you to borrow extra funds while keeping this debt separate from your primary loan. Can be set up for investments, renovations, or other major expenses.
See guide
Calculators
FAQs
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