Investment property loans made simple
Build generational wealth through property with the right loan strategy behind you.6.13%Variable rate*
6.33%Comparison rate*
What’s in it for you?
Why should I 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 unbelievable returns.
The rent pays the mortgage
Your tenants pay most (or all) of your repayments…making your property one of the only assets that pays itself off in the long run!
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.
Massive tax advantages
Investors can access deductions on interest, depreciation, maintenance, and more — improving cashflow and reducing taxable income.
Zoom ahead of inflation
As living costs rise, rents rise too, and property naturally protects and grows your wealth during inflationary periods, getting you ahead of the crowd.
The most stable investment
Unlike shares and crypto, property is historically steady, demand-driven, and less volatile — making it your top pick as a long term investment!
Zero obligation…just free guidance!
The rich man’s secret…
How the rich build wealth
(it’s not stocks or crypto!)
The wealth builder
Investment property
The unpredictable route
Other investments
How Loanity will help you build
your investment property empire
30 minute investment strategy call
We learn your goals, assess your borrowing power, and map out the smartest way to buy your investment property.
1
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.
2
Secure approval & start building wealth
Once you choose the best option, we manage the entire application and get your loan within a week!
3
1
30-Minute Investment Strategy Call
We learn your goals, assess your borrowing power, and map out the smartest way to buy your investment property.
2
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.
3
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…
Get started with a free chat
No obligation, just guidance…
We compare all the banks, so you don’t have to
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We compare 60 of the best lenders
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Scan through over 260 loan options
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Zero hidden fees, as it should be*
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Best investment options from us to you
Testimonials
This is why you should let us handle your business finance
jul, 2025
Marcus R.
Loanity made getting asset finance for my workshop incredibly easy. Fast approval and much better than the banks. Best business loans in Australia!
jul, 2025
Reza S.
Transformed my daily routine with unique, eco-friendly treasures. Exceptional quality and service. Proud to support a store that aligns with my values.
jul, 2025
Ali G.
Kourosh and Kia helped me secure an investment property loan easily. Very trustworthy team that understands the market. Best finance broker for our Persian community.
jul, 2025
Sophia K.
Great service for commercial equipment finance. They understood my business needs and offered a flexible repayment plan. Will definitely use Loanity again!
jul, 2025
Sana A.
Amazing experience as a first home buyer. Loanity found me a great home loan rate and explained everything perfectly. Truly seamless service!
jul, 2025
Arash M.
Highly recommend Mr. Kourosh at Loanity for home loans. They are very honest and helpful for our community. The best mortgage broker for first-time buyers.
jul, 2025
Samuel B.
Secured a commercial property loan through Loanity with zero stress. Their expertise in business finance helped us expand our operations quickly. Outstanding service!
jul, 2025
Emily S.
Loanity helped me with a personal loan for home renovations. The fast approval and clear communication made the entire process incredibly easy and smooth.
jul, 2025
Farzad N.
Fast loan approval for our new home! Loanity handled everything perfectly and kept us updated throughout the entire process. Great local service.
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.