Does rental income count toward borrowing capacity?

In many cases, lenders will consider rental income, although they may apply adjustments. We explain how this may be assessed in your situation.

Is interest-only better for investment loans?

Interest-only repayments may suit some investors depending on goals and cash flow. We outline the differences so you can decide what aligns with your plans.

Can I use equity to purchase an investment property?

If you have sufficient equity in an existing property, it may be possible to use it toward another purchase, subject to lender criteria.

How does investment lending differ from owner-occupied lending?

Investment loans may involve different rates, policies, and assessment criteria. We explain how these differences may apply to you.

Will buying an investment property affect future borrowing?

Additional debt can influence borrowing capacity. We assess your broader position before making recommendations.

Do I need a larger deposit for investment property?

Deposit requirements vary between lenders and depend on your overall financial position. We outline what may apply in your case.

Considering an investment property?

Investment lending involves different considerations to owner-occupied loans. We help you understand lender criteria, borrowing capacity, and structural options clearly before you commit.

Investment lending is different

Whether you’re purchasing your first investment property or expanding your property and asset portfolio, lending structures can vary.

You may be wondering:

How much can I borrow for an investment?
Does rental income count?
Should the loan be interest-only or principal and interest?
How does equity work?
How will this affect future borrowing?

We help you understand the considerations before making decisions.

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Structured guidance. Clear explanations.

How the process works

A clear, structured approach:

1. Review your financial position
Income, expenses, existing loans, and equity.

2. Assess borrowing capacity
Based on lender criteria for investment lending.

3. Explore structure options
Including loan types and repayment approaches.

4. Guide you through next steps
With clarity around documentation and timelines.

You’ll understand the implications before moving forward.

What lenders typically assess

Investment lending criteria can differ from owner-occupied loans and between lenders.

Lenders generally consider:

Your overall income and commitments
Rental income (where applicable)
Existing property debt
Loan-to-value ratios
Credit history

We explain how these factors may influence your position.

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Structuring your investment loan

Loan structure can influence flexibility and cash flow.

Depending on your circumstances, considerations may include:

Repayment type
Offset or redraw features
Loan splitting
Equity access
Negative gearing or tax implications

We focus on helping you understand the options so you can make informed choices aligned with your broader goals.

Why work with a broker?

Investment lending can involve more nuanced criteria across lenders.

We provide:

Access to a range of lenders
Guidance tailored to your position
Clear explanation of structure differences
Support through the application process including signposting to other relevant third parties such as accountants, real estate agents

Our role is to help you navigate complexity with clarity.

Frequently asked questions