Investment Property Loans — Melbourne

How We Help Property Investors

• Compare investment loan products across 40+ lenders, including specialist investment lenders
• Structure your portfolio strategically — using the right mix of interest-only, principal-and-interest, fixed, and variable loans
• Maximise your borrowing capacity by understanding how different lenders assess investment income and expenses
• Manage cross-collateralisation risk — we'll help you understand when to separate securities across lenders
• Navigate negative gearing and tax considerations — while we don't provide tax advice, we work alongside your accountant to ensure your lending structure supports your strategy

Key Considerations for Property Investors

Interest-Only vs. Principal & Interest

Interest-only periods (typically 1-5 years) can help manage cash flow and may offer tax benefits for investors. However, they mean you're not reducing your loan balance during that period. We'll help you weigh the options.

Borrowing Capacity for Investors

Lenders assess investment loans differently. Some shading rental income at 80%, others at 100%. Some include negative gearing benefits. We know which lenders will give you the strongest position.

Deposit Requirements

Most lenders require a minimum 10-20% deposit for investment properties. Some charge higher interest rates or LMI premiums for investment lending compared to owner-occupied loans.

Michael Gross is a Credit Representative (546597) of LMG Broker Services Pty Ltd (ACN 632 405 504, Australian Credit Licence 517192).