Investment Property Loans

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Find the right loan for your investment property

Chasing lenders on your own can quickly turn into a time-consuming and frustrating process. Let us handle the hard work for you. Working closely with your financial adviser, we not only help you secure a suitable loan for your investment property but also take a strategic approach to ensure your loan structure supports your long-term goals.

Since investment loans often come with stricter requirements—such as higher interest rates—professional guidance can make a significant difference in maximising the benefits of your loan over time.
(Please note: we do not provide tax or financial advice and recommend consulting a qualified professional for guidance in those areas.)

Our Investment Property Loan Process

1. Consultation & Pre-Approval

Before starting your investment property loan journey, we’ll take the time to understand your goals, financial position, and borrowing capacity. To get things moving efficiently, we’ll ask you to complete a short responsible lending questionnaire before meeting with our team.
Your LoanBrix broker will then guide you through every step of the pre-approval process—helping you understand your options, prepare the necessary documentation, and ensure you’re fully ready to apply with confidence.

2. Identify Loan Options

There are several ways to structure and repay your investment loan, each offering unique benefits.
If you value payment stability, a fixed-rate loan keeps your repayments consistent. If you prefer flexibility, a variable-rate loan allows you to make extra repayments and potentially pay off your loan faster. Or you may opt for a split loan—combining the certainty of a fixed rate with the freedom of a variable rate.

You can also choose between a principal and interest loan, which helps you build equity faster, or an interest-only loan, which keeps repayments lower for a set period.
Not sure which structure suits your goals best? Our expert brokers, in collaboration with your accountant, will help tailor a solution that fits your strategy and investment objectives.

3. Application & Documentation

When you’re ready to apply, we’ll gather details about your financial position—such as your income, existing loans, savings, investments, and other assets (like vehicles or property). This helps determine your current equity and borrowing power.

You’ll also need to provide valid identification, including:

Primary ID: driver’s licence, passport, or birth certificate
Secondary ID: credit/debit card, Medicare card, or health care card

Your LoanBrix broker will make sure everything is in order to keep your application moving smoothly.

4. Approval & Settlement

Once your loan is approved and you’ve agreed to purchase your investment property, we’ll coordinate with your solicitor or conveyancer to manage the settlement process.
From reviewing and signing contracts to finalising settlement, your LoanBrix broker will work closely with all parties involved to ensure everything proceeds seamlessly and stress-free.

5. Review Your Lending Portfolio

After settlement, your investment journey doesn’t stop there. Regularly reviewing your lending portfolio helps ensure your loan continues to align with your goals and market conditions.
The LoanBrix team will proactively monitor your loan and lender performance, recommending adjustments or refinancing opportunities where beneficial—so your investment strategy stays on track for the long term.

Why Choose LoanBrix?

At LoanBrix, our experienced brokers are dedicated to delivering proactive, transparent guidance every step of the way. You’ll always know where things stand, with regular updates and reminders about key milestones and deadlines throughout your loan process.

What can often feel complex or overwhelming is made simple and straightforward with the support of the LoanBrix team—ensuring you feel confident and informed from start to finish.

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Types of Investment Property Loans

LoanBrix specialises in commercial property loans, including factories, offices and retail. We have a wide panel of lenders to choose from and can provide loans to meet your finance needs – whether you are looking for P&I loans, interest only loans, long term or short term lending solutions.

We have helped some clients develop property portfolios in the commercial property sector. LoanBrix is expert in helping you navigate a commercial purchase or to refinance your existing loans for a better rate and lower repayments.

So why not take advantage of our knowledge and Contact Us now or Book a Time with one of our friendly brokers today for a free, confidential discussion.

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Find out how much you can borrow

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How can we help you?

54 Lending Partners

We have relationships with all the major financial institutions and are constantly reviewing new and innovative loans to help provide you with the best possible solution.

Five Star Rated

We have over one hundred 5 Star ratings from clients on our Google business profile. We pride ourselves on customer service, and aim always to provide the best possible experience.

MFAA Member Since 2009

To become a member, individuals must meet specific requirements, including professional qualifications, a good character, and holding an Australian Credit Licence (ACL) or being a Credit Representative.

Can I use my home equity to buy an investment property?

Yes! You can use your home equity in place of a cash deposit to buy an investment property. If you have questions on how you can do this, don’t hesitate to speak with one of our brokers.

How much can I borrow for an investment property loan?

The amount you can borrow for your investment property loan will depend on your current situation; how many people you live with, how much you earn, expected rental income, current expenses along with borrowing history and credit score. However, you can borrow up to 90% of the property’s value without using your home equity as a deposit. To accurately assess how much you can borrow, be sure to contact one of our brokers.

What costs are involved in an investment property loan?

For your investment property loans, you can expect costs that vary. You will need to save a deposit, which we recommend be at least 20% (avoiding the lender’s mortgage insurance), along with the repayments of the loan itself. This will depend on the lender you choose, but Mortgage Broker Melbourne is sure to get you the best deal on your loan. Additionally, there are often loan establishment fees that your lender will charge for processing the documentation. Ongoing loan fees and interest payments are also costs to consider, as they are the ongoing costs of loans. You should also look out for property loan break costs if you opt for a fixed loan; they only apply when leaving the loan before the fixed-rate term ends. However, we don’t charge any fees for our service! We will provide you with expert advice to ensure you get the most out of your investment property loan.

Investment Property Loans.