• Home
  • Services we offer
  • Meet the nerds
  • Trusted Partners
  • What is a Home Loan Nerd
  • More
    • Home
    • Services we offer
    • Meet the nerds
    • Trusted Partners
    • What is a Home Loan Nerd
  • Home
  • Services we offer
  • Meet the nerds
  • Trusted Partners
  • What is a Home Loan Nerd

Investment Property Loans

Investing in property? The loan structure matters too.

 Whether you’re buying your first investment property or adding another to your portfolio, the loan is an important part of the picture.


Investment lending can work differently to an owner occupier loan, and different lenders can assess the same investor very differently.

What should you think about?

 When looking at an investment loan, it helps to understand:

  • How much you may be able to borrow
  • How lenders assess rental income
  • Your available deposit or equity
  • Interest-only vs principal and interest repayments
  • Offset accounts and loan features
  • How a new loan could affect future borrowing


The lowest interest rate isn't necessarily the whole story — particularly if you plan to keep investing.

Using Equity

Already own property?


You may be able to access some of the equity in an existing property to help fund the deposit and costs for an investment purchase.


How much equity you can access will depend on things like the property's value, your existing loan and the lender's requirements.

Get the lending side sorted

A good investment property starts with the numbers making sense.


You can compare lending options, understand how different lenders may assess your situation, and structure the lending with your plans in mind — all explained in plain speak.


We know a lot about home loans so you don't have to.

Copyright © 2026 The Home Loan Nerds - All Rights Reserved.

Mitochondria Group Pty Limited T/As The Home Loan Nerds, ABN 20 701 836 964

Powered by

  • Disclaimer
  • Privacy Policy
  • Compliments and Concerns
  • Where we work
  • Contact Us

This website uses cookies.

We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.

Accept