Investment loans

Invest with the right structure from day one

The 2026 tax changes, APRA's debt-to-income limit and higher rates all affect investors. We structure your lending so it's clean for tax and leaves room for your next purchase.

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Is this you?

Buying your first investment property
Using equity in your home for a deposit
Building a portfolio and hitting lender limits
Reviewing interest-only periods that are ending

Key facts

What you should know

1 Jul 2027Negative gearing limited to new builds for properties bought after 12 May 2026

6×APRA's debt-to-income threshold, capped at 20% of bank lending

70–80%Share of rent most lenders count as income

80%LVR to avoid LMI on investment loans

Borrowing Power Calculator

Estimate your borrowing power using the same building blocks lenders use: income after tax, living expenses, debts and the 3% serviceability buffer.

Open calculator

Figures current as at October 2026. Scheme rules and caps change; we confirm them for your situation.

How it works

Our process

Set your strategy

Growth, yield or both, and how the 2027 tax changes affect you.

Structure the loans

Separate securities, equity splits and the right repayment type.

Get pre-approved

With a lender whose policy suits your portfolio.

Plan the next one

We map which lenders to use as your portfolio grows.

Questions

Frequently asked

Is negative gearing ending?

From 1 July 2027 it's limited to new builds for properties bought after 12 May 2026. Properties held before then are grandfathered.

Should I choose interest-only?

It improves cash flow but costs more overall. It often suits investors who also have a non-deductible home loan.

What is cross-collateralisation?

Using several properties to secure loans with one lender. We usually recommend avoiding it.

Learn more

How to Buy Your First Investment Property: A Step-by-Step Guide

A practical guide to buying your first investment property in 2026: deposit, loan structure, cash flow, tax changes and choosing where to buy.

3 min read

Investing

Interest-Only or Principal and Interest for Investors?

Should your investment loan be interest-only or principal and interest? We compare cash flow, total cost, rates and tax, with 2026 examples.

2 min read

Investing

Using Equity in Your Home to Buy an Investment Property

How to use the equity in your home to fund an investment property deposit, how much you can access, and how to structure the loans to keep things clean for tax.