Investment Property Loan

Investment Property  Loans Made Simple

Build generational wealth through property with the right loan strategy behind you.

5.34%variable Rate*

5.34%Comparison Rate*

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Check my investment borrowing power

What’s in it for you?

Why Buy An Investment Property In Australia?

Build Generational Wealth

Property grows over time. Smart investing can build equity, passive income, and multi-property wealth with compounding returns.

Rent Covers the Mortgage

Your tenants pay most (or all) of your repayments — making property one of the only assets that helps pay itself off!

Use Equity to Buy More

As your property rises in value, you can use the equity to fund your next investment — without saving a new deposit.

Strong Tax Advantages

Investors can access deductions on interest, depreciation, maintenance, and more — improving cashflow and reducing taxable income.

Get Ahead Of Inflation

As living costs rise, rents rise too. Property naturally protects and grows your wealth during inflationary periods getting you ahead.

Stable & Predictable Asset

Unlike shares and crypto, property is historically steady, demand-driven, and less volatile — making it a reliable long-term investment vehicle.

Book a Free Consultation Now!

Zero obligation…just free guidance!

The rich man’s secret…

How the rich build wealth 

(hint: it’s not stocks or crypto)

The wealth builder

Investment Property

Long-term, steady capital growth

Rent helps pay the mortgage

Leverage boosts returns (small deposit → big asset)

Build equity to fund your next property

Strong tax benefits (interest, depreciation, etc.)

More stable and less volatile than others

The unpredictable route

Other Investments

High volatility and unpredictable price swings

No rental income to offset your costs

Limited leverage → slower wealth growth

No equity engine to buy more assets

Fewer tax deductions available

Easily influenced by global events & news

A 5 minute read for you

How Australians Are Using Investment Properties to Build Wealth in 2025

(Even With High Interest Rates)

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How Your Investment Property Loan Works With Loanity

30-Minute Investment Strategy Call

We learn your goals, assess your borrowing power, and map out the smartest way to buy your investment property.

Compare & Find the Best Investment Deal

We analyse 60+ lenders and hundreds of investment loan products to find your best match. You’ll see the top 3 options.

Secure Approval & Start Building Wealth

Once you choose the best option, we manage the entire application and get your loan within a week!

30-Minute Investment Strategy Call

We learn your goals, assess your borrowing power, and map out the smartest way to buy your investment property.

Compare & Find the Best Investment Deal

We analyse 60+ lenders and hundreds of investment loan products to find your best match. You’ll see the top 3 options.

Secure Approval & Start Building Wealth

Once you choose the best option, we manage the entire application and get your loan within a week!

What are you waiting for?
Get started with a free chat
No obligation, just guidance…

See if I qualify right now

We compare all the banks, so you don’t have to

We compare 60 of the best lenders

Scan through over 260 loan options

Zero hidden fees, as it should be*

3 best options, presented to you

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Testimonials

This is why you should let us handle your business finance

STILL GOT QUESTIONS?

Answer to your questions

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

Yes, this is one of the most common ways to grow a property portfolio. You can often refinance your current home loan to release “usable equity,” which acts as the deposit for your investment purchase. This means you could potentially buy an investment property with no out-of-pocket cash deposit. Loanity can calculate your equity and help you structure a “top-up” or sub-account to keep your investment debt separate for tax purposes.

Should I choose an interest-only or principal and interest investment loan?

Many investors prefer interest-only loans because they maximize tax-deductible interest payments and improve short-term cash flow. This allows you to redirect your extra cash toward paying down non-deductible debt (like your own home loan). However, principal and interest loans help you build equity faster. Loanity will help you compare both options based on your long-term investment strategy and cash flow needs.

How does “negative gearing” work with my investment loan?

Negative gearing occurs when the deductible expenses of owning an investment property (including loan interest, maintenance, and rates) exceed the rental income it generates. This “loss” can often be used to reduce your taxable income, potentially resulting in a tax refund. While Loanity finds you the most competitive rates to manage your costs, we always recommend consulting with your accountant to see how negative gearing fits your specific tax bracket.

What is a “cross-collateralised” loan and should I avoid it?

Cross-collateralisation is when a lender uses more than one property as security for a single loan (e.g., your home and your investment property). While it can be easier to set up initially, it can limit your flexibility later if you want to sell one property or switch lenders. At Loanity, we generally prefer “stand-alone” loan structures that keep your properties independent, giving you more control over your wealth and future financing options.

Can I get an investment loan through my SMSF (Self-Managed Super Fund)?

Yes, you can use a Limited Recourse Borrowing Arrangement (LRBA) to purchase residential or commercial investment property through your SMSF. These loans have very specific compliance rules and higher deposit requirements (usually 20-30%). Loanity has access to specialized SMSF lenders and can work alongside your financial planner to ensure the loan is structured correctly according to ATO regulations.

How do lenders calculate “rental yield” when assessing my borrowing power?

When you apply for an investment loan, lenders don’t just look at your salary; they also consider the projected rental income of the property you are buying. Most lenders will “shade” this income (typically using only 70-80% of the rent) to allow for vacancies and management fees. Loanity knows which lenders have the most generous rental income policies, which can significantly increase your total borrowing capacity.

Stop waiting.
Just do it now.

No fees. No obligation. A free consult and handy
resources. No strings attached.

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