Structure with intent
Consider how loan splits, repayment types and features relate to your stated strategy.
Finance for the next opportunity
Build your property plans on a considered lending strategy.
Whether this is your first investment property or the next addition to a growing portfolio, we help structure finance around your broader position—not just the purchase in front of you.
Think beyond approval to the shape of your portfolio.
Investment lending can involve different priorities from an owner-occupied home loan. Cash flow, loan structure, available equity and future borrowing plans can all influence the most suitable approach. Our role is to make those moving parts easier to see and discuss.
We work through the purpose of the purchase, your current commitments and the flexibility you may need later. Where tax or legal advice is required, we encourage you to involve the appropriate professionals so the lending decision sits within a well-informed plan.
How we help
Advice shaped around the decision—not a product shelf.
Understand borrowing capacity
See how lenders may assess rental income, commitments and the rest of your position.
Plan for what follows
Keep future purchases and flexibility in view when comparing current options.
Prepare for the conversation
A few useful things to have nearby.
You do not need a perfect folder before contacting us. These details simply help us understand the position sooner.
- Purchase price and expected rent
- Current property and loan details
- Available deposit or equity
- Income and ongoing expenses
- Your near- and longer-term goals
Questions, answered
What people often ask about investment loans.
These are general answers. Your own options depend on your circumstances and lender assessment.
Can I use equity as part of an investment deposit?
Depending on your position and lender policy, usable equity may form part of a purchase strategy. We can help you understand how lenders may assess it.
Should my investment loan be interest-only?
Interest-only and principal-and-interest repayments have different benefits, costs and eligibility requirements. The right choice depends on your goals and should also be discussed with your tax adviser.
Can Loan Base help with my first investment?
Yes. We can explain the lending process, likely documentation and practical trade-offs without assuming you already know the terminology.
A clearer next step