Investment Loans
Expert guidance from someone who actually cares.
Growing a property portfolio requires the right lending structure. I'll help you maximise borrowing capacity and set your investment up to perform.
Is this right for you?
Purchasing your first investment property
Growing an existing property portfolio
Wanting to structure lending for maximum tax efficiency
How I can help
Property investment lending — done properly
Investment lending is genuinely different from owner-occupier lending — the strategy, the structure, and the lenders you should use are all distinct. Get it wrong and you'll limit your future borrowing capacity, create unnecessary tax complications, or end up cross-collateralising in a way that causes real problems down the track. I work with property investors at every stage of their journey, from first investment through to multi-property portfolios.
Structure matters as much as rate
One of the biggest mistakes property investors make is treating their investment loan the same as their home loan. The right structure depends on your goals. Are you maximising cash flow? Building equity? Planning to use this property's equity to fund the next purchase? Interest-only loans can preserve cash flow in the short term and keep your investment expenses clean for tax purposes. Standalone (non-cross-collateralised) security structures protect your flexibility. I'll help you think through what's right for your situation — and your accountant will thank you.
What lenders look for in investors
Lenders assess investment applications differently. They look at your existing portfolio (rents, loan balances, equity), your personal income, and your overall exposure. As portfolios grow, lender appetite varies significantly — some lenders are very comfortable with investors up to four properties, others cap out earlier. My panel of 40+ lenders includes specialists who are genuinely investor-friendly, with higher serviceability limits, portfolio lending programs, and competitive investment rates.
Key questions I'll help you answer
Should I use interest-only or principal and interest?
How much equity do I need to access my current property?
Which lender will give me the best borrowing capacity?
How do I structure to buy the second (or third) property?
Whether you're buying your first investment property or expanding an existing portfolio, a 30-minute call with me will give you a clear picture of where you stand and what's possible.
Run the numbers
Borrowing power
Estimate how much you might be able to borrow.
Estimated borrowing power
$414,000
This is a rough estimate using a 9.00% assessment rate (3% buffer above your entered rate), which is standard industry practice. Every lender calculates differently — Steph can give you a precise figure.
Everything you'd want to know
Mortgages can feel complicated. Here are the questions I get asked most often — answered plainly, without the jargon.
Nothing — my service is completely free to you. I'm paid a commission by the lender once your loan settles. This doesn't affect your interest rate, and I'm legally required to act in your best interests regardless.
Still have questions? Ask Steph directly →
What clients say
“I've used Steph for two investment properties now. She understands the market, knows which lenders suit investors, and makes the whole process seamless.”
David M.
Tweed Heads · December 2024
This is general information only. Please seek personal financial advice tailored to your circumstances. Coastal Home Lending [ACL NUMBER] is a credit representative of [AGGREGATOR]. All loan applications are subject to lender credit assessment and approval criteria. Terms, conditions, fees and charges apply.