Equity
Unlocking equity the right way
Before you borrow against your existing home, understand how lenders assess usable equity — and what it means for future borrowing capacity.
Read moreInvestment Loan
Unlock your next home.
Smarter finance for property investors. Portfolio growth happens when your loan no longer holds you back.
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Our Lenders & Partners
Whether you're purchasing your first investment property, accessing equity, or expanding your portfolio, we help you explore investment loan options that reflect your goals and financial position.
Smart Investing
A smarter way to navigate investment loans.
01
Purchasing your first investment
Navigate the unique considerations of an investment purchase — interest-only structures, tax-effectiveness, and LVR planning.
02
Accessing equity
Use the equity in your existing property to fund your next purchase, renovation, or portfolio move — without disrupting your current setup.
03
Expanding your portfolio
Structure lending across multiple properties so you preserve future borrowing capacity and keep options open as you grow.
Expert Advice
Tips for buying your second home.
Strategy
Interest-only vs principal & interest
The right choice depends on your tax position, holding period, and cash-flow preferences. Here's how to weigh them up.
Read morePortfolio
Cross-collateralisation: yes or no?
It sounds efficient, but tying properties together can limit your next move. Here's when to avoid it — and when it works.
Read moreFAQs
FAQs about Buying an Investment Home
Or ask our experts:
Yes. We calculate how much usable equity you have and show you how to access it safely. The right structure can help you invest without overstretching your cash flow or limiting future borrowing power.
They're assessed against rental income plus your existing income, with tighter LVR caps than owner-occupied lending. Interest-only structures are common for tax-effectiveness — we model both options before you commit.
It depends on serviceability across your existing portfolio, expected rental yield, and the lender's policy on negative gearing add-backs. We'll model your true borrowing capacity across multiple lenders.
Usually 0.20–0.40% higher than equivalent owner-occupied rates, and slightly higher again for interest-only. We compare across 40+ lenders to find the sharpest investor pricing.
Yes — by re-drawing or topping up against your existing property. We'll structure it so the investment debt stays separate for tax purposes and your owner-occupied debt isn't compromised.
There's no hard cap, but each new property tightens serviceability. The structure of your earlier loans (and which lender they sit with) determines how far you can go.
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