Invest Smartly
Grow your portfolio with structure that fits.
Whether you are buying your first investment property or adding another asset, we help you compare lending on our panel and understand servicing, repayments, and structure (speak with your accountant for tax advice).
Lending built around your investment goals
Whether you're buying your first investment property or adding to a portfolio, the loan structure matters as much as the rate. We compare investment lending across the lenders on our panel and help you understand serviceability, repayments, and how the loan fits your wider plan.
We're not your accountant — for tax questions like negative gearing or depreciation, talk to a registered tax adviser. What we do is line up finance that suits your situation and keep the process moving.
Using equity in a property you already own
If your home or an existing investment has grown in value, you may be able to access some of that equity — the difference between what the property is worth and what you still owe — to fund the deposit on your next purchase.
Releasing equity is a new borrowing, so it's assessed on its merits: the lender looks at the value, your income, and your existing commitments. We'll model what's realistic before you commit to anything.
Interest-only vs principal-and-interest
With principal-and-interest (P&I), each repayment chips away at the loan balance as well as the interest, so the debt reduces over time. With interest-only (IO), you pay just the interest for an agreed period, which lowers repayments in the short term but doesn't reduce what you owe.
Investors sometimes prefer IO for cash-flow or tax reasons, while others favour P&I to build equity. There's no universally right answer — it depends on your strategy, and it's worth discussing alongside your accountant.
Top-ups and refinancing investment debt
As your circumstances change, your investment loans can too. A top-up can fund renovations or your next deposit, and refinancing can realign your loans with features that suit you better.
We review your current lending, weigh the costs of switching, and only suggest a change where it genuinely makes sense for your situation — not for the sake of it. We don't consider every lender in the market, and we'll explain the trade-offs first.
Common questions
Can I use the equity in my home to invest?
Often, yes. If your home has grown in value, you may be able to access some of that equity to fund the deposit on an investment property. It's treated as new borrowing, so the lender assesses your income and existing commitments — we'll model what's realistic before you commit.
Interest-only or principal-and-interest — which is better?
Neither is universally better. Interest-only keeps short-term repayments lower but doesn't reduce the loan balance, while principal-and-interest builds equity over time. The right choice depends on your strategy and tax position, so it's worth discussing alongside your accountant.
How much can I borrow as an investor?
Your borrowing capacity depends on your income, expenses, existing debts and the expected rent, along with each lender's assessment rules. Our borrowing-power calculator gives a rough guide, but a full assessment with us will give you a clearer picture.
Should I get advice on how to structure the loan?
Yes — loan structure can have tax and ownership implications, so we'd encourage you to involve your accountant or financial adviser. Our role is to arrange finance that fits the structure you choose and explain the lending side in plain English.
Run your numbers first
Indicative borrowing and repayment tools — not an offer. Useful before a proper assessment with a broker.
Know your number before you house-hunt
A free 15-minute borrowing check with Nathan Chow. No paperwork to start.