Refinancing & investing
Investment Property Loans
Investment lending is about more than the rate. How the loans are structured affects your tax clarity, your cash flow and whether you can buy again. We compare investor loans across the market and set things up so your portfolio can keep growing.
Homestead is a mortgage broker, not a lender. Our service costs you nothing.
How it works
- 1
We look at your goals, existing properties, equity and income.
- 2
We work out borrowing power, including how lenders treat rental income.
- 3
We compare investor loans and structure them, including interest only or principal and interest.
- 4
We manage approval and settlement, and review the structure as your portfolio grows.
Who it suits
- First time investors, including those who rentvest
- Owners using home equity for an investment deposit
- Investors building a portfolio
- Investors wanting interest only repayments for a period
What lenders look at
A guide only. Each lender sets its own criteria, and they change.
- Deposit or equity, typically 10% to 20% plus costs
- Rental income, which lenders discount when assessing
- Total debts across all properties
- Your overall serviceability at the lender's assessment rate
Frequently asked questions
Usually, yes. Lenders price investment loans higher, and interest only repayments often cost more again. We compare the current spread across lenders for you.
Interest only lowers repayments for a period, but you pay more interest overall and the loan does not reduce. It suits some strategies and not others. Talk to your accountant about tax, and we will model the repayment impact.