Build your wealth with the perfect investment property


The investment property market in Australia is booming, and for a good reason. Property can be a great long term investment strategy, and is suitable for first home buyers and experienced investors alike.

Residential invesment loan contract
Investment loan property keys
Happy couple with keys to new home
Lender visiting investment loan customer in Sydney


Your borrowing limit depends on the loan to value ratio. That is, the amount borrowed compared to the total value of securities. Generally, you can borrow up to 80% of the total security value, or up to 95% with Lenders Mortgage Insurance. An investment loan typically uses your owner occupied property or a term deposit as additional security to allow you to increase the borrowing limit.

In some cases, yes! It is possible to use multiple properties to secure your loan, and this is often the most desirable method to keep the LVR under 80% and avoid Lenders Mortgage Insurance. A Lendfin specialist will work with you to determine the total value of your assets, and the most beneficial way to structure your lending in order to achieve your long term investment goals.

Interest only loans are a popular choice for property investors who wish to optimize cash flow. They require only interest to be paid against the loan for a fixed term (usually 5 years), and are most suitable for those who expect the property value to increase. It’s important to remember that the principal amount of your loan will not be reduced during the interest only term unless you choose to make extra payments. This means if you borrow $500,000 with an interest only term of 5 years, you will still own $500,000 at the end of the 5 years. Speak to a specialist at Lendfin to see whether an interest only loan is right for you.

Yes. It is very common for our customers to use their home as part of the security for an investment loan.

At Lendfin, we we will work with you to ensure that you receive the best deal for your situation. Fees and charges differ depending on the product, however we will ensure you understand the options before making a decision. In general, you will need to be able to cover all government fees including stamp duty, title search fees, mortgage registration and property registration. You may also need to pay lender’s mortgage insurance, property inspection, conveyancing and legal costs, and loan package fees.

Access to multiple lenders to get the right loan for you.

Deal direct with your investment loan specialist throughout the process.

Option to move entire investment portfolio to a single broker.