Investment property loans
Lending structured around your portfolio, not just the next purchase.
The way your investment loans are set up affects how much you can borrow next time, how easy it is to access equity and how clean your records are at tax time.
Ram helps you think a couple of purchases ahead: which lender to use for which property, when to use equity, and how to keep investment and personal borrowing separate. For tax advice, we work alongside your accountant.
Who this suits
- First-time investors
- Owners using home equity to buy an investment
- Investors growing a portfolio across several lenders
What Ram helps with
- Using equity from your home as the deposit
- Interest-only versus principal-and-interest options
- Choosing lenders with borrowing capacity for your next step
- Keeping loan splits clean for your accountant
Documents to have ready
You don't need everything for the first chat, but having these handy speeds things up.
- Income documents
- Rental statements or appraisals
- Existing loan statements
- Latest tax returns
Questions about investment loans
Often, yes. Lenders will usually let you borrow against the difference between your home's value and your loan, up to a limit. We work out how much is usable and structure it so the investment borrowing stays separate.
Not always. Spreading loans across lenders can protect borrowing capacity and avoid cross-securing properties. It depends on your plans, so we look at your whole position.
Guides on investment loans
Related loans
Investment loans by suburb
- Investment loans Pendle Hill
- Investment loans Blacktown
- Investment loans Seven Hills
- Investment loans Toongabbie
- Investment loans Doonside
- Investment loans Rooty Hill
- Investment loans Mount Druitt
- Investment loans Marayong
- Investment loans Quakers Hill
- Investment loans Schofields
- Investment loans Riverstone
- Investment loans Marsden Park
- Investment loans Box Hill
- Investment loans Kellyville Ridge
- Investment loans Stanhope Gardens
- Investment loans The Ponds
- Investment loans Glenwood
- Investment loans Kings Langley
- Investment loans Lalor Park
- Investment loans Prospect
- Investment loans Girraween
- Investment loans Wentworthville
- Investment loans Westmead
- Investment loans Parramatta
- Investment loans Northmead
- Investment loans Winston Hills
- Investment loans Merrylands
- Investment loans Baulkham Hills
- Investment loans Castle Hill
- Investment loans Kellyville
- Investment loans Rouse Hill
- Investment loans Plumpton
- Investment loans St Marys
- Investment loans Penrith
- Investment loans Greystanes
- Investment loans Constitution Hill
Talk it through with Ram
A free, no-obligation conversation about where you are now and what you're planning. No credit check, no pressure.