How investment lending differs
Lenders stress-test rental income, vacancy, and your personal debts. Deposit requirements are often higher than for an owner-occupied home.
Interest deductibility and capital gains rules change by country and tax year. This guide is information only, not tax advice.
Portfolio and cross-collateralisation
Linking multiple properties to one lender can simplify admin but reduces flexibility if you sell one asset. Separate loans per property can make future changes easier.
Offset accounts and fixed-rate splits behave differently on investment loans. Read product factsheets carefully.
Next steps
Run borrowing power and repayment calculators with conservative rent assumptions. Book a broker when you want neutral comparisons across lenders.
Lisa can explain concepts and point to guides. Human brokers handle fact find, compliance, and application lodgement.
FAQs
Can I use equity from my home?
Some owners use home equity for deposits on investments. That increases risk on your residence if the investment underperforms. A broker can outline options in your market.
Does LoanReady list investment rates?
No live lender rate tables. Reference rate pages show public benchmarks only, not offers.
When should I book a broker?
When you are ready to compare products with your full financial picture. Booking is an introduction, not approval.
General information only. Not financial, tax, insurance or credit advice.