Investing in property

Whether you’re buying your first investment property or adding to your portfolio, we help you find and secure the right investment property finance for your goals.
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Access more lenders

Compare investment property loans from 60+ lenders to find the right fit for your goals.
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Tailored loan strategies

We match your finance to your investment plans, tax considerations, and long-term strategy.
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Maximise borrowing power

We help you structure your loan to make the most of your income and equity.
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Support at every stage

From pre-approval to settlement and future refinancing, we’re here for the long haul.

Finance built for property investors

Investing in property can be a powerful way to grow your wealth, but the right finance structure is key to making it work for you. An investment property loan is designed specifically for purchasing real estate with the goal of generating rental income, capital growth, or both.

Whether you’re buying your first investment property or expanding your portfolio, it’s important to consider more than just the interest rate. Factors like loan type (interest-only or principal and interest), offset accounts, tax benefits, and flexibility for future purchases can all influence your long-term returns.

We compare options from a wide panel of lenders, looking at both the cost and the structure of the loan to make sure it suits your strategy. We’ll also guide you through pre-approval, help you meet lender requirements, and explain features in plain language so you can make informed decisions.

And when your circumstances or market conditions change, we can review your loan to ensure it continues to work for you.

Got questions about investment property finance?

Understanding how investment property loans work can help you make smarter decisions and maximise your returns. Below, we’ve answered common questions about investment property finance, loan structures, deposits, and using equity so you can feel confident about your next purchase.

What’s the difference between an investment loan and a home loan? An investment loan is designed for buying property you won’t live in. Lenders often have different interest rates, deposit requirements, and criteria compared to owner-occupied home loans.

Generally, lenders require at least 10–20% deposit, though some options may be available with a lower deposit depending on your situation.

Yes, equity in your current home can be used as security for your investment property loan, helping you reduce the cash you need upfront.

Is interest-only or principal and interest better for investment loans? It depends on your goals. Interest-only repayments can improve cash flow, while principal and interest builds equity faster. We can run the numbers to help you decide.

Let’s talk about your goals

Call us

Our expert insights will help guide you through the process and get you to your goal sooner.

Book an appointment

Experience the difference, we take out the leg work and we will fit into your schedule.

Start your application

We get it, you’re in the moment. Apply online and we will send you three great rate options tailored to your needs.
We simplify the loan journey and make finance really happen for our customers.

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MICHELLE GALLIMORE trading as Luna Mortgage Broker, Tassie Mortgage Broker & Whitsunday Mortgage Broker (ABN 17911518049) with Credit Representative Number 490498 is an authorised Credit Representatives of Australian Credit Licence Number 384324.

IMPORTANT NOTE: All content is general information only and is subject to change at any given time. Your complete financial situation will need to be assessed before acceptance of any proposal or product. Rates and product information should be confirmed with the relevant financial institution, and you should review the PDS before you decide to purchase. Any recommendations made about a financial product are general advice only and has not taken into account your particular needs and circumstances. You should consider the Product Disclosure Statement to determine if the product is suitable for you before you decide to purchase it.