Services · Investments
Whether it is your first investment property or your fifth, loan structure decides how far your portfolio can grow.
We help Australian investors structure lending for long-term flexibility, including offset accounts, interest-only periods and cross-collateralisation decisions.
We help you structure your finance for long-term growth and lending flexibility without the jargon. Market shifts, policy changes, interest rate tweaks. We stay across it all so you can focus on building your portfolio with clarity and control. Including offset accounts, interest-only periods and cross-collateralisation decisions.
Structure matters
Key lending decisions for investors
Interest-only vs principal-and-interest
Interest-only periods preserve cash flow and maximise deductible interest but increase long-term cost. The right choice depends on your portfolio stage and tax position.
Offset accounts
An offset account linked to your investment loan reduces the interest charged while keeping funds accessible. Particularly useful when rental income fluctuates.
Cross-collateralisation
Securing multiple properties under one lender simplifies administration but reduces flexibility at sale or refinance. Most experienced investors avoid it.
Separate lenders per property
Keeping each property loan with a separate lender gives you full control to sell, refinance or extend without affecting the rest of your portfolio.
Questions answered
Investment property loan questions
- How do I structure a loan for an investment property in Australia?
- Loan structure for investment properties typically involves choosing between principal-and-interest and interest-only repayments, deciding whether to use an offset account, and considering whether to cross-collateralise with your home loan. Interest-only periods can preserve cash flow in the early years but increase long-term interest costs. The right structure depends on your portfolio goals and tax position. Talk to your accountant and broker together.
- Can I use equity in my home to buy an investment property?
- Yes. If you have equity built up in your home, you can access it to use as a deposit for an investment property. This is called equity release or equity unlocking. The available equity is typically 80% of your property's current value minus any existing loans. Some lenders will go higher with LMI. Your broker can model this for your specific situation.
- What is cross-collateralisation and should I avoid it?
- Cross-collateralisation means securing multiple properties under the same lender as collateral for each other. It can simplify administration but reduces flexibility. You can't sell one property without the lender's agreement, and refinancing one loan may require moving all loans. Most investors prefer to keep properties with separate lenders or separate loan structures to maintain portfolio flexibility.
Build your portfolio with clarity and control.
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