INVESTMENT PROPERTY LOANS
Investment Property Finance Based on the Numbers
Buying your first investment property or planning the next one? We look at your borrowing position, usable equity, rental income, existing debts, and the way you plan to structure the loan before comparing lenders. The aim is simple. Find out what fits your position before you commit to a property or an application.
6.04%
Sharpest panel rate, investor P&I at 80% LVR
64
Portfolios structured by this practice
3.00%
Assessment buffer every lender must apply
20%
Typical rental income shading — but it varies widely
Property investors
Where you are in your investment plans
The finance you need depends on what you already own, what you want to buy, and how the new loan sits with the debts you have.
01
Buying your first investment property
Start with your borrowing position rather than the property search. We look at income, commitments, deposit or equity, and how the proposed rent may be treated.
02
Adding another property
A second or third property changes the numbers. We look at existing limits, repayments, rental income and available equity alongside the new purchase.
03
Using equity for the next purchase
Equity in a property you already own may fund part of the next one. We check the current loan, the value, lender limits and the rest of your position.
04
Investing with self-employed income
Business income is not read the same way as a salary. We match the records you have to lenders that will accept them.
Why The Lending Institute
A closer read of the investment loan
Rental income, existing properties and several debts make the assessment harder. We do that checking before the file reaches a lender.
01
The comparison is explained
You see rates, fees, repayments and the features that matter, with the reason an option was included.
02
Existing properties stay in the picture
The new purchase is read with current loans, rent and usable equity.
03
Policy gaps are raised early
If a lender will not accept the way your income or debts are evidenced, we want that known before lodgement.
04
One broker stays on the file
Milo handles lender questions, conditions and follow-up through to settlement.
How we work
From investment plan to settlement
01
Day 0
Talk through the numbers
What you want to buy, income, current loans, deposit or equity, and timing. You do not need a chosen property.
Credit impact — none
02
Days 1–5
Check the evidence
Income, assets, debts and property details the lender will ask for. Gaps are dealt with before lodgement.
Credit impact — soft enquiry only
03
Days 5–7
Compare suitable lenders
Policy, rate, fees, repayments, features and timing, with a short explanation of why each option is on the list.
Credit impact — enquiry recorded
04
Weeks 3–6
Apply and move to settlement
Once you proceed, we lodge, answer questions and stay on the file. The working target is 48 hours after the requested information is in.
Credit impact — account reported
Find your real ceiling before you bid
Borrowing power with the assessment buffer applied properly, LVR against the 80% threshold, and stamp duty by state.
Open the calculatorsCommon questions
Investment property loan questions
If yours is not here, ask it directly — you will get a straight answer, not a callback form.
Ask a broker →There is no single figure. It depends on the lender, the property, the structure and your position. Lenders mortgage insurance may apply.
Potentially. We look at the value, the loan balance, usable equity and how the extra borrowing sits with the debts you already have.
Not necessarily. Existing rent and expected rent on a new property are assessed differently. We check the policy before recommending a lender.
Yes. The evidence depends on the structure and the lender. It may include tax returns, financial statements and BAS.
No. An estimate is not formal approval. The lender still assesses verified income, expenses, debts, the property and its own criteria. Using the calculator does not create a credit enquiry.
Related services
Often looked at alongside this
Supporting paragraph for this section.
Loans
01
Self-employed home loans
How lenders may assess business income, company structures and financial records.
Specialist
01
Specialist lending
Trusts, companies, SMSF and bridging, when a standard investment loan is the wrong shape.
Specialist
01
Calculators
An initial borrowing and repayment estimate before you speak with a broker.
Get started
Talk through the investment before you apply
You do not need a chosen property or lender. Tell us what you own, what you want to buy, what you earn and what you owe. We will say what has to be checked.
Start with rough numbers
The first conversation does not need a finished application.
Know what happens next
We name the documents your circumstances need.
Speak with your broker
Milo stays on the file through to settlement.