Investment
Investment loans · Newcastle and Australia wide
Turn the equity in your home into your first investment.
You may already have more buying power than you think. We work out how much equity you can use, set up your loans so they stay flexible, and find the lender that suits your plan.
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How equity works
Your home could fund your deposit
Equity is the part of your home you own outright. Most lenders let you borrow up to 80% of your home’s value without lenders mortgage insurance. Whatever sits between that and your current loan is equity you may be able to use towards an investment property.
How much you can actually use also depends on your income and expenses. Lenders need to be sure you can repay both loans.
Your home’s value
$900,000
80% of that value
$720,000
Less what you still owe
−$450,000
Equity you may be able to use
$270,000
Owed
Usable
Buffer
Illustration only. The lender’s valuation and your ability to repay decide what you can really access.
Set up right from day one
The loan structure matters as much as the rate
A poorly structured investment loan can cost you flexibility for years. Here’s what we look at before anything is signed.
Keep your home and investment debts separate
Separate loan accounts keep your records clean and make life easier for your accountant.
Avoid tying your properties together where possible
When one loan is secured by two properties, selling or refinancing either one gets harder. We look for set-ups that keep your options open.
Choose repayments that fit your plan
Interest only or principal and interest, fixed or variable. The right mix depends on your cash flow and goals.
Put the offset account in the right place
Where your savings sit can make a real difference to the interest you pay.
Leave room for the unexpected
Plan for vacancies, repairs and rate rises so a quiet month doesn’t become a stressful one.
“We wanted to purchase our first investment property but were unsure how or if we’d even be able to do so. Joel took the time to explain the entire process and showed us how to structure everything effectively. We were able to purchase our first investment property by accessing the equity in our home and didn’t need to touch any of our savings. We now have an investment property that’s performing well and has increased in value. Plus, the loan structure means that rental payments made by the tenants are helping to pay off our own mortgage that little bit faster. We’re looking forward to purchasing another in the near future.”
Craig & Sara, New Lambton NSW ★★★★★
2026 tax changes
Negative gearing and CGT have changed. Here's the short version.
The changes are now law and start on 1 July 2027.
Properties you already held
If you held the property before 7:30pm AEST on 12 May 2026 (Budget night), the existing negative gearing arrangements continue.
Established properties bought after that
Losses can only be offset against residential property income, not your wages. Unused losses carry forward to future years.
New builds
Investors in new builds can still offset losses against other income, and can choose the 50% CGT discount or the new rules.
Capital gains tax
For gains after 1 July 2027, the 50% discount is replaced with cost base indexation and a minimum 30% tax rate.
We’re mortgage brokers, not tax advisers. Talk to your accountant about how these changes affect you, and we’ll structure your loan to fit that advice. Official details: ATO.
How it works
From first call to your first tenant
A 10-minute phone call
Your goals, your current loan, and whether now is the right time.
Send us your documents
A clear checklist and a simple way to upload everything, so we work from facts.
Your strategy session
Equity, borrowing power, structure and lenders. You leave with a Loan Strategy Report.
Pre-approval and equity release
We arrange the valuation and set up the loans so you can buy with confidence.
Purchase to settlement
We handle the lender and keep you updated until the property is yours.
Questions
Investment loan FAQs
Can’t see your question? Ask it on your 10-minute call.
Usually up to 80% of your home’s value, less what you owe, without lenders mortgage insurance. Lenders also check you can afford both loans. They’ll only count part of the expected rent, so your own income matters too.
Repayments can be interest only or principal and interest, and rates can be variable, fixed or split. Investor rates are often a little higher than owner-occupier rates. Features like an offset account can help, depending on how they’re set up.
Usually two to six weeks from application to approval. You’ll typically need:
- Photo ID
- Your two most recent payslips
- At least three months of bank statements
- Statements for your current home loan and any other debts
- A rental appraisal for the property, and rental statements for any you already own
- If you’re self-employed: two years of personal and business tax returns and ATO notices of assessment
Lenders require building insurance on the property (or strata cover for a unit). Landlord insurance is worth serious thought, as it can cover things like rent default and tenant damage. Lenders mortgage insurance applies if you borrow over 80%. Life and income protection cover can protect your plans if something happens to you.
Build a buffer before you buy, ideally a few months of repayments in an offset or savings account. If things get tight, talk to us early. Lenders are far easier to work with before a repayment is missed.
Ready to put your equity to work?
Book a 10-minute phone call. We’ll tell you straight what’s possible and what to do next.