Investment Property Loans
Build your wealth with confidence. We structure property investment loans to optimize borrowing capacity, cash flow, and tax deductibility — whether acquiring your first property or expanding an existing portfolio.
Key Strategic Advantages
How our accredited credit advisors structure this finance to protect your wealth and cash flow.
Uncross-Collateralized Security
We protect your family home and assets by structuring standalone mortgages for each individual property.
Interest-Only & Tax Structuring
Optimize cash flow and tax deductibility with tailored Interest-Only (IO) periods and split loan facilities.
Equity Release & Deposit Sourcing
Seamlessly extract usable equity from your existing properties to fund future deposits without selling.
Portfolio Servicing Analysis
We navigate lender-specific servicing calculators that credit rental income up to 90% to extend your borrowing runway.
Calculate Your Investment Loans Numbers
Test scenarios using real-time Australian lending criteria.
The Investment Loans Approval Process
Portfolio Audit & Equity Review
We review existing property valuations and identify unlockable equity buffers.
Strategic Structuring
We design a financing roadmap considering cash flow, interest-only terms, and tax advice.
Lender Placement
We select lenders that treat rental income and negative gearing most favorably.
Settlement & Ongoing Monitoring
We ensure seamless settlement and monitor market rate movements continuously.
Investment Loans Frequently Asked Questions
Does using Gravity Financial cost me anything?
No. Our complete mortgage advisory, comparison, packaging, and loan management is provided as a value added service with $0 out-of-pocket broker fee. We are remunerated directly by the chosen lender upon successful settlement of your loan. Lenders cannot charge you a higher interest rate or fee for going through a broker — in fact, we often negotiate exclusive broker-only discounts and cashback rebates.
How do I release equity to buy an investment property?
Equity is the difference between your property's current market value and the remaining balance on your mortgage. Most lenders permit you to borrow up to 80% of your property's value without paying LMI. We can establish a separate equity loan or offset line of credit against your existing home, which provides the deposit and stamp duty funds for your investment property purchase without touching your cash savings.
Should I choose Principal & Interest (P&I) or Interest-Only (IO) for an investment loan?
Interest-Only repayments are popular for property investors because they keep monthly outgoings to a minimum, preserve personal cash flow, and maximize tax-deductible interest payments while you prioritize paying down non-deductible owner-occupied debt. However, after the IO period (typically 1–5 years), payments increase. We model both strategies based on your cash flow and tax advisor's recommendations.