Your next home

Thinking about getting into property investment? It’s a smart way to grow your wealth over time, with benefits like rising property values, rental income, and even some handy tax perks. Whether you’re just starting out or adding to your portfolio, it’s all about understanding the market and making the right moves. With the right guidance, investing in property doesn’t have to be complicated.

Using Equity to Invest

Taking the next step on the property ladder?:

Check Your Equity

If your current property’s gone up in value, you might have usable equity. Lenders usually let you access up to 80% of your property’s value, minus what you still owe.

Example: If your home’s worth $800k and your loan is $500k, you could potentially use up to $140k equity for the next deposit. Check out this handy equity calculator to see how much you could have.

Understand Loan-to-Value Ratio (LVR)

Your LVR shows how much you’re borrowing against the property value. Staying under 80% LVR helps avoid Lender’s Mortgage Insurance (LMI) and gives you better rates.

Get Clear on Your Borrowing Power

Even with equity, you still need to show you can afford the repayments (including both loans). Lenders look at your income, existing debts, rental income (if applicable), and living expenses.

Talk to Your Broker and Accountant

A broker can help you structure your loans smartly — like using interest-only repayments, offset accounts, or cross/separate security.

An accountant can advise on negative gearing, capital gains tax, and ownership structure (personal name, trust, etc.).

Review Your Financial Habits

Reduce credit limits, pay off personal debt if possible. Lenders don’t just look at equity — they also assess risk and cash flow.

Research the Investment Itself

Don’t just chase growth — look at rental yield, vacancy rates, and long-term plans. Consider speaking to a property advisor or buyer’s agent if you want help sourcing a strong investment.

For a no-obligation consultation, get in touch with Matthew now.

Frequently Asked Questions

How much deposit do I need for an investment property?

Most lenders want 10–20%, but if you’ve got equity or strong finances, you might not need to put in much (or any) cash. Just watch out for LMI if you go under 20%.

Is interest-only better for investors?

It can be! It keeps repayments lower, freeing up cash. Many investors use it early on to boost cash flow, but it depends on your long-term goals and tax strategy.

Can I borrow more if I already have one or two loans?

Possibly. Lenders look at your whole picture — income, expenses, rental income, and debts. If the numbers stack up, adding another loan is doable.

What expenses can I claim on tax?

Loan interest, property management fees, repairs, and more. But always double-check with your accountant — they’ll help you stay on the right side of the ATO.

Can I refinance my investment loan later to access equity?

Absolutely. Many investors refinance as property values rise to unlock equity for renovations or further purchases.

The Loan Journey

Let’s Chat

I’ll catch up and get a feel for where you’re at now and what you’re hoping to achieve.

Behind-the-Scenes Work

I head back to the office, crunch the numbers, and explore the best options to help you reach your goals.

Your Options

I’ll catch up and get a feel for where you’re at now and what you’re hoping to achieve.

I Handle the Hard Stuff

From paperwork to approvals, I take care of the lot and keep you updated every step of the way.

Ongoing Support

I don’t just set and forget — I check in regularly to make sure your loan still works for you.