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Want to invest in property?
We’re here to help.
Investing in property can feel complex, but with the right mortgage broker, it doesn’t have to be. Let us help you navigate the process and secure the best investment loan tailored to your strategy.
Investing in Melbourne
Our promise to you
Investing in Melbourne’s property market is an exciting opportunity, but it comes with many decisions to navigate. From choosing the right investment strategy to structuring your finances, it’s a journey filled with potential pitfalls. That’s where we come in as your trusted mortgage broker. Here’s our commitment to making your journey smoother:
Expert
Guidance
We help you understand complex lending terms and structures and advise on how they fit into your broader investment strategy.
Access More Lenders
As your broker, we work with a wide range of lenders, whether you’re a first-time investor or expanding a growing portfolio.
Time-Saving Support
We handle the paperwork and negotiations, streamlining the process so you can focus on your investments.
Knowledge of Incentives
We leverage strategies like negative gearing and depreciation to boost returns, working with your accountant for tax efficiency.
Advice Tailored To You
We assess your finances and goals to recommend the ideal investment loan option that fits your portfolio needs.
A Real Human Touch
We offer personalised support throughout your journey, recognising that every investor’s path is unique.
Are you located outside of Melbourne? Get in touch and we can help find the best solution for you, no matter where in Australia you’re located.
How it works
Our Process for Getting Your Investment Loan
Contact Us for a Discovery Meeting
We begin by understanding your financial situation, goals, and objectives—whether you’re aiming for long-term capital growth or immediate rental yield.
We Formulate a Strategy
Based on your objectives, we’ll outline a lending plan designed to optimise your investment returns and fit your cash flow needs.
We Present the Best Options
Once we’ve researched and compared lenders, we present you with the loan products that best suit your needs—highlighting key features like interest-only terms, offset facilities, or flexible repayment structures.
You Choose Your Preferred Option
After you decide which loan best meets your investment strategy, we guide you through the application process right up to settlement.
We Connect You with Other Professionals
If needed, we’ll introduce you to trusted partners—such as accountants, conveyancers, property managers, or buyers agents—to ensure all parts of your investment journey align.
Post-Settlement Support
We’ll monitor your loan performance and remain available for ongoing advice or refinancing opportunities as your investment portfolio grows.
Investment loan incentives & opportunities available in Melbourne
Take advantage of the incentives at your disposal
While first-home buyer grants may not apply to investors, there are several other advantages that property investors can leverage. We’ll help you identify opportunities and guide you through any necessary applications or compliance requirements.
Negative Gearing
Negative gearing can reduce your taxable income if your loan expenses exceed rental income.
We’ll work alongside your accountant to structure your loan in a way that could help maximise your tax benefits.
We’ll work alongside your accountant to structure your loan in a way that could help maximise your tax benefits.
Depreciation Benefits
Investment properties—especially new or recently renovated ones—can be depreciated over time.
This can significantly reduce your taxable income. We can connect you with quantity surveyors or accountants who specialise in calculating property depreciation schedules.
This can significantly reduce your taxable income. We can connect you with quantity surveyors or accountants who specialise in calculating property depreciation schedules.
Capital Gains Tax Discounts
If you hold your investment property for more than 12 months, you may qualify for a 50% discount on capital gains when you sell.
We’ll help ensure your loan structure is set up to support both short-term rental gains and potential long-term capital growth.
We’ll help ensure your loan structure is set up to support both short-term rental gains and potential long-term capital growth.
Stamp Duty Considerations
Stamp duty rates in Victoria vary for investors.
While first-home buyer exemptions typically don’t apply, understanding how stamp duty surcharges for foreign buyers or off-the-plan purchases work is crucial. We’ll guide you through the costs and highlight any potential savings or strategies.
While first-home buyer exemptions typically don’t apply, understanding how stamp duty surcharges for foreign buyers or off-the-plan purchases work is crucial. We’ll guide you through the costs and highlight any potential savings or strategies.
Off-the-Plan Concessions
Investors who buy off-the-plan may benefit from reduced stamp duty, though the rules differ from those for owner-occupiers.
We’ll clarify if an off-the-plan opportunity aligns with your investment goals and how you could benefit from this concession.
We’ll clarify if an off-the-plan opportunity aligns with your investment goals and how you could benefit from this concession.
Self-Managed Super Fund (SMSF) Property Investment
If you’re considering purchasing property through an SMSF, there are specific lending conditions and compliance obligations to navigate. We can guide you through the specialised lenders who offer SMSF loans and help coordinate with your financial advisers.
Access the best lenders in Australia to help purchase your investment property!
Support
Frequently asked questions
Everything you need to know about securing your investment loan in Melbourne.
What is an investment loans broker, and how can they help me?
A mortgage broker who specialises in securing finance for property investors. We compare multiple lenders, explain complex loan products, and ensure you understand every step of the process. Our goal is to help you find a loan structure that supports both your short-term cash flow needs and long-term wealth-building strategy.
What are the benefits of using a broker over going directly to a bank for an investment loan?
A broker works for you, not any single bank. We offer access to multiple lenders, negotiating competitive rates and terms tailored to your investment goals. Our expertise saves you time, reduces the paperwork hassle, and helps you feel confident you’re getting the best possible deal for your portfolio.
How much deposit do I need for an investment property in Melbourne?
Typical deposits range from 10–20% of the property’s value. Some investors leverage equity from another property to reduce out-of-pocket costs. We’ll evaluate your situation to advise on the optimal deposit structure and help you avoid lenders mortgage insurance (LMI) if possible.
Do I need lender's mortgage insurance (LMI) for an investment loan?
If your deposit is less than 20% of the property’s value, most lenders will require LMI. While it increases your upfront cost or loan balance, it can enable you to invest sooner with a lower deposit. We’ll help you weigh the pros and cons, and explore whether leveraging existing equity can help you avoid LMI.
Can I use negative gearing to reduce my tax obligations?
Yes, negative gearing can be an effective tax strategy for many investors if the costs of the investment (interest, maintenance, etc.) exceed the rental income. We recommend discussing your situation with a qualified tax professional, and we’ll ensure your loan structure supports any negative gearing benefits.
What types of loans are best for property investors?
Interest-only loans are popular for maximising cash flow, while principal-and-interest loans gradually build equity. Some investors prefer fixed rates for budgeting certainty, while others want the flexibility of variable rates. We’ll match the right loan features to your strategy.
What documents do I need to apply for an investment loan?
Generally, you’ll need proof of income, bank statements, identification, and details of your assets and liabilities. Self-employed investors may require additional financial documents. We’ll guide you through the specific paperwork needed by different lenders.
What fees should I expect when buying an investment property?
Expect costs such as stamp duty (which can be higher for investors), conveyancing fees, building and pest inspections, and potentially LMI. We’ll help you budget for these expenses and explore any available concessions or strategies to minimise costs.
What happens if my circumstances change after my investment loan is approved?
If your situation changes—like a job loss or a new loan—get in touch with us or your lender immediately. We can explore loan restructuring or repayment adjustments to help protect your property and financial wellbeing.
How do I choose the right investment property?
Consider factors like location, rental demand, capital growth potential, and property type. A mortgage broker can advise on how each of these factors affects your financing options, but it’s also wise to consult property experts, such as buyers agents, for deeper market insights.
Can a mortgage broker help me manage my ongoing investment loan?
Absolutely! We’ll keep track of interest rate movements and lender policy changes that could affect your loan. We’ll also assist with refinancing or restructuring your loan if you decide to expand your portfolio or the market shifts.
Are there any incentives or tax benefits specifically for investors in Melbourne?
There are many benefits like negative gearing, depreciation, and potential off-the-plan concessions that may apply for your investment loan. We’ll ensure you understand and maximise any incentives relevant to your investment strategy.
Still looking for more advice?
Can’t find the answer you’re looking for? Please chat to our friendly team.
Browse our other services
Can't find exactly what you're looking for? Here are some other services that we provide that might be more suitable to your situation:
First Home Buyer Loans
Access competitive loan options that can help you start your property journey in Australia, get in touch today.
Read more
Commercial Loans
If you need help to refinance or purchase commercial property, just contact us today to find a solution.
Read more
Variable & Fixed Rate Loans
Let us help you navigate the complexity around loans and find the best rate type for your goals.
Read more
SMSF Loans
An SMSF loan enables a Self-Managed Super Fund to borrow funds for acquiring investment properties or refinance existing SMSF debt.
Read more
Bridging Loans
A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold.
Read more
Asset Finance
Need finance for another large purchase besides your home like a private car or commercial vehicle and equipment?
Read more
Restructuring Finances
Have you recently assessed your overall financial situation, or are you among those who simply set and forget?
Read more
Development Funding
Development funding offers a range of financial options tailored to help you successfully complete your project.
Read more
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Not sure what kind of loan you need?
The major benefit of using a broker to finance other large purchases besides property is obtaining finance that is tailored to fit your current financial circumstances and needs. With depreciating assets, the right finance can also potentially save you money on interest and fees, or potentially help you maximise your tax benefits. AND MORE – Not sure what kind of loan you need for your current financial circumstances? That’s our job. We deliver tailored finance solutions chosen from a panel of leading lenders, and give you peace of mind that your loan is working for you. Contact us today to find out all the ways we can help you.
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