Property Investors
Every purchase shapes the one after it. Your Investment Blueprint and broker plan your equity, cash flow and loan structure across the portfolio, not one property at a time.
★★★★★ 5.0 on Google
Property Investors
Growing a portfolio? Access to a panel of 75+ lenders helps line up your next purchase.
Investment property loans, from your first to your next
Whether it’s your first investment or your fifth, your broker structures each loan around your cash flow so the next purchase stays possible.
Your first investment
Investor loans are priced and assessed differently from a home loan. Your broker works out your deposit, equity or savings, and a structure ready for the next one.
Structuring the portfolio
Separate loans for each property, splits by purpose and no crossed securities keep you flexible. Your broker sets it up so selling one property never stalls the rest.
Growing your portfolio
The 3% buffer and APRA’s debt-to-income limit shape how far each lender will go. Your broker orders your loans across lenders so the next purchase stays possible.
Using your equity
Lenders usually lend up to 80% of a property’s value without LMI. Your broker works out the usable equity across your portfolio and which property secures the next loan.
Interest-only or P&I
Interest-only lowers repayments now, but lenders assess you over the shorter principal and interest term that follows. Your broker shows the cash flow and cost of each.
As your portfolio grows
Rents, rates and equity all move. Brokr Bettr Loan Care checks in every six months, so your next purchase is planned while you still hold the last one in good shape.
Better to know
Using one property as security for another can tie your portfolio together. Selling or refinancing one then needs the lender’s say on the others. Your broker keeps each property’s loan separate where it can, so every property stays your decision.
Frequently asked questions
Can I use the equity in my home to buy an investment property?
Often, yes. Most lenders let you borrow up to 80% of your home’s value without LMI, less what you owe, towards the deposit and costs. You still need to qualify for the new loan, and your broker works out your usable equity first.
How much deposit do I need for an investment property?
Usually 20% of the price plus stamp duty and costs to avoid LMI, though some lenders go to 90% with LMI. Equity in your home can count as the deposit. Your broker compares the options and what each one costs.
Is there a limit to how many investment properties I can own?
There’s no set limit, but every loan reduces what lenders will offer next, and each lender assesses your portfolio differently.
What do the negative gearing changes mean for my loans?
From 1 July 2027, negative gearing applies only to new builds, and properties bought before 7:30pm on 12 May 2026 keep today’s treatment. Your tax is a question for your accountant; your broker plans your cash flow and loans around it.
Is the broker paid on each investment loan?
Yes. Each lender pays us a commission when that loan settles, and usually an ongoing commission after that. We tell you what we’ll be paid on every loan before we recommend it, and the reasons go in writing.