Investment loan broker Melbourne

Why investors use a specialist broker

Investor lending policy varies enormously between lenders — borrowing power, rental treatment and serviceability can differ by hundreds of thousands. An investment loan broker in Melbourne compares the whole market to maximise what you can borrow.

We also structure your loan to keep investment and personal debt separate, protecting your flexibility and tax position.

Smart loan structuring

• Interest-only options to boost cash flow and deductible interest.
• Avoiding cross-collateralisation to keep properties independent.
• Offset accounts used to preserve tax-deductibility.
• Equity release to fund your next deposit without cash savings.

How lenders assess investors

Most lenders count only 70–80% of expected rent towards borrowing power and stress-test the loan at a higher buffer rate. Negative gearing doesn't always help capacity the way investors expect.

We know which lenders treat rental income and existing debt most generously, so your portfolio can keep growing.

Growing a Melbourne portfolio

Many investors build their portfolio by recycling equity rather than saving each deposit from scratch. If your properties have grown in value, we can release equity for the next purchase.

We plan several steps ahead so each loan supports the next, rather than blocking it.

Free, expert and lender-paid

Our service is free to you — we're paid by the lender and we disclose it. You get specialist investment lending advice at no cost.

From your first investment to your tenth, we're a long-term partner in your strategy.