Investment Loans: Fund Your Property Goals
Investing with Smart Loan Strategies
Well-structured investment loans can play a key role in maximising property returns. Whether you aim to generate rental income, leverage equity, or explore tax advantages, choosing the right loan is essential. With various loan options available, expert mortgage guidance can help you compare lenders, understand terms, and make informed financial decisions.
What Our Clients Say
At Ausfirst Lending Group, we assist investors like you in finding loan solutions that could support your property goals. Our mortgage brokers partner with a wide range of lenders to help you explore competitive rates, flexible terms, and potentially suitable loan structures. Whether you're buying your first investment property or expanding your portfolio, we provide guidance that could help simplify the process and support informed decision-making.
What Is an Investment Loan?
An investment loan is designed to help you finance a property that may generate rental income or appreciate in value over time. Unlike home loans for owner-occupiers, this loan typically has different lending criteria, including potentially higher interest rates and stricter serviceability requirements. Investment loans come in various forms, including principal and interest loans, interest-only loans, and fixed or variable rate options.
What Are the Benefits of Investment Loans?
Here are some of the key benefits that could make property investment a preferred strategy for many Australians: Read More
Who This Is For
Investment loans aren’t one-size-fits-all. At Ausfirst Lending Group, we understand that different investors have distinct goals, financial profiles, and strategies. Whether you’re just starting your investment journey or expanding an established portfolio, we provide tailored solutions to suit your path.
First-Time Property Investors
Are you exploring your first investment property and unsure where to start? Our investment loan solutions are designed to simplify the process for first-time investors. We help you:
- Understand your borrowing power and budget
- Navigate the loan types best suited to entry-level investors
- Access low deposit investment loan options and LMI alternatives
- Receive expert guidance on property selection and loan pre-approval
Experienced Investors & Portfolio Builders
Already own one or more investment properties and looking to scale? We support portfolio builders with advanced strategies and tools to optimise returns and leverage existing equity. With Ausfirst Lending, you can:
- Explore multi-property loan structures
- Access competitive refinancing options to free up capital
- Release equity to reinvest with strategic gearing
- Use offset accounts and split loans to maximise efficiency
SMSF Property Investors
Looking to invest through your Self-Managed Super Fund? Our team understands the compliance and complexity involved in SMSF investment loans. We can help you:
- Understand borrowing rules under the SIS Act
- Structure a loan that aligns with your fund’s strategy
- Navigate the limited recourse borrowing arrangement (LRBA) process
- Secure competitive SMSF lending options with low fees
Case Study 1: First-Time Investor Builds Equity in 18 Months
Client: Emma, 33, School Teacher, Brisbane
Loan Type: Interest-Only for 2 years
Property: $540,000 apartment in a high-demand school zone
Initial Deposit: $60,000 (11%) with LMI waived due to profession
Strategy: Negative gearing + interest-only to maximise tax offset
Outcome:
- Rental income: $540/week = ~$2,340/month
- Interest-only repayment: ~$2,320/month
- Rental yield: ~4.6%
- Capital growth after 18 months: Property revalued at $620,000
- Equity gained: $80,000
- Plan: Refinance to a P&I loan and use equity for next investment
Key Takeaway: Emma entered the market with a low deposit and used professional benefits like LMI waiver and negative gearing to minimise costs and grow equity within 2 years.
Case Study 2: Portfolio Investor Uses Equity to Acquire Second Property
Client: Raj and Priya, Dual-Income Professionals, Sydney
Loan Type: Principal + Interest
First Investment Property: Townhouse bought 4 years ago at $720,000
Loan Strategy: Used offset account and extra repayments to accelerate equity growth
Outcome:
- Current property value: $940,000
- Remaining loan: $530,000
- Usable equity: $328,000 (80% of $940K – $530K)
- Second investment purchased using $160K equity as deposit
- Rental income from both properties covers 93% of monthly repayments
Key Takeaway: By leveraging strategic loan structuring and offset features, Raj and Priya used built-up equity to expand their portfolio without dipping into savings.
Case Study 3: SMSF Investor Secures Retirement Asset
Client: Julie, 55, High-Income Consultant
Investment Type: SMSF property purchase for long-term rental yield
Property: $720,000 commercial unit leased to medical tenants
Loan Structure: Limited Recourse Borrowing Arrangement (LRBA)
Deposit via SMSF: $300,000 (42%)
Outcome:
- Fixed lease return: $3,900/month ($46,800/year)
- Loan repayment (P&I): $2,670/month
- Annual net yield (after expenses): ~5.2%
- Capital growth over 3 years: Property revalued at $810,000
- SMSF balance growth from asset: +$90,000 in equity + $35,000 net rental gains
Key Takeaway: Julie’s SMSF property investment provided stable rental returns, long-term capital growth, and portfolio diversification ahead of retirement.
You Are Looked After By Someone Who Treats As His Own.
What Makes Ausfirst Lending Group Different?
Whether you're purchasing your first investment property, expanding your property portfolio, refinancing an existing investment loan, or using equity to fund your next purchase, we provide personalised guidance throughout every stage of the process. We'll help you understand your borrowing capacity, compare loan features, and identify lending solutions that align with your investment strategy.
Our goal is to make the investment loan process straightforward and stress-free by providing clear advice, regular communication, and dedicated support from application through to settlement. Rather than offering a one-size-fits-all solution, we focus on helping you secure an investment loan that supports your financial goals, maximises your opportunities, and contributes to your long-term wealth-building strategy.
Visit Your Local Mortgage Broker on the Sunshine Coast
Whether you're buying your first home, refinancing, or exploring loan options through a trust or SMSF, we’re here to guide you every step of the way. As your trusted Mortgage Broker on the Sunshine Coast, we offer personalised advice tailored to your needs.
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At Ausfirst Lending Group, we understand that medical and healthcare professionals need more than just a loan—they need a lending partner who appreciates their unique journey. Whether you're a doctor, nurse, dentist, or allied health specialist, we provide tailored home loan solutions with personal guidance, LMI waivers, and flexible options that fit your career and lifestyle. With Richard’s 30+ years of hands-on broking experience, we ensure your loan process is managed with care, transparency, and expertise from start to finish
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For those who serve and protect—whether in law enforcement, emergency services, legal professions, or defence—navigating the home loan process should be as straightforward as possible. We offer tailored mortgage solutions that acknowledge the unique demands of your profession, providing structured lending benefits, flexible options, and personalised support.
From police officers and firefighters to lawyers and defence personnel, we’re here to simplify your path to homeownership with solutions designed around your service.
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Educators play a vital role in shaping future generations, and we’re here to ensure their home loan journey is just as rewarding. Whether you're a school teacher, early childhood educator, university lecturer, or support staff member, we offer home loan solutions designed to recognise your dedication to the community. From exclusive lending benefits to flexible loan structures, we simplify the process so you can focus on what you do best—teaching and supporting others.
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FAQs on Investment Loans
An investment loan is a loan used to purchase an asset – such as property or shares – with the intention of potentially generating income or long-term capital growth. In the case of property, investment loans are typically designed for buyers who plan to rent out the property rather than live in it.
Yes, you may be able to obtain a loan to purchase an investment property in Australia, depending on whether you meet the lender's eligibility criteria. Lenders generally assess factors such as your income, credit history, existing debts, and the potential rental income of the property. Investment loans often come with different terms compared to owner-occupied loans, including possibly higher interest rates and stricter borrowing requirements. Consulting with a mortgage broker could help you explore competitive loan options that align with your financial situation
Most lenders in Australia require a deposit of at least 10–20% for an investment loan, meaning fully financed loans for property investment are not commonly available. However, you may be able to borrow the full amount by using equity from an existing property as security. Some lenders offer guarantor loans, where a family member provides additional security to cover the deposit. Exploring different lending options with a mortgage broker could help you identify suitable financing strategies.
Yes, investment loans are available not just for property but also for other assets, such as shares and managed funds. These loans, sometimes called margin loans or investment lending, allow you to borrow funds to potentially expand your investment portfolio. Depending on your circumstances, interest paid on these loans might be tax-deductible when used for income-generating assets. It helps to assess the risks and seek professional financial advice to determine whether an investment loan suits your strategy.
Yes, you may be able to access the equity in your existing investment property to fund new investments or other financial goals. This can be done through refinancing or drawing on a line of credit, allowing you to borrow against the portion of your property you already own. Many investors use this approach to expand their portfolios without requiring a new cash deposit. However, carefully consider borrowing against your investment, as it involves financial risks and potential long-term obligations.
Yes, a mortgage broker may assist you in finding and securing an investment loan that aligns with your financial situation and goals. Brokers have access to a variety of lenders, including major banks and specialist lenders, allowing them to compare loan products on your behalf. They may handle the paperwork, help negotiate better loan terms, and provide insights to support informed decision-making. Using a broker could save you time and help you access loan options that suit your needs.
Using a mortgage broker may be more beneficial because they compare multiple lenders and loan products to help identify suitable options for your needs. Unlike going directly to a lender, a broker could provide access to a broader range of loan solutions and may be able to secure more competitive interest rates or flexible loan terms. Brokers also guide you through the loan application process, which may make the process easier and less time-consuming. Lenders, on the other hand, offer direct access to their loan products and typically do not provide comparisons or personalised recommendations across multiple financial institutions.
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