Expert investment loan structuring across 30+ lenders. Maximise tax benefits, leverage equity, and build wealth through property — with bilingual English & Mandarin guidance every step of the way.
Australian property investment offers unique advantages — especially when your loan is structured correctly.
Interest on your investment loan is tax-deductible. Combined with negative gearing and depreciation, investors can significantly reduce their taxable income each year.
Use the equity in your existing property to fund your next purchase — potentially buying with no additional cash out of pocket. Grow your portfolio faster with smart leveraging.
We structure each loan to protect your assets, maximise borrowing capacity, and keep investment debt separate from personal debt for clean tax reporting.
Every investor's situation is different. Here are the main loan types we help investors compare and secure.
Pay only the interest for a set period (1-5 years), keeping repayments low and maximising tax-deductible interest.
Pay down both the principal and interest from day one. Builds equity faster and usually attracts lower interest rates.
Lock in certainty with a fixed rate or keep flexibility with a variable rate. Many investors use a split to get the best of both.
Before you apply, make sure you understand these key factors that affect your investment loan.
Most lenders require a maximum Loan-to-Value Ratio (LVR) of 80% for investment properties, meaning you need at least a 20% deposit to avoid Lenders Mortgage Insurance (LMI). Some lenders will go up to 90% LVR with LMI. We find the best option for your deposit level.
Lenders typically use 80% of your expected rental income when assessing borrowing capacity. Gross rental yield is calculated as annual rent divided by property price. For example, a $600/week rental on a $600,000 property gives a 5.2% gross yield. We help you understand what numbers the bank actually uses.
When your property costs more to hold than the rent it generates, the difference (the "loss") can be deducted from your taxable income. This means you pay less tax. For example, if you earn $120k and your investment property makes a $10k loss, you're only taxed on $110k. We structure your loan to optimise this benefit.
When you sell an investment property for a profit, capital gains tax applies. However, holding the property for 12+ months gives you a 50% CGT discount. Proper loan structuring from day one helps maximise your after-tax returns when it's time to sell.
Negative gearing occurs when your investment property expenses (loan interest, maintenance, management fees) exceed your rental income. The "loss" can be offset against your other income, reducing your taxable income. For example, if your property costs you $5,000 more per year than it earns in rent, that $5,000 can reduce your taxable income. This is a key strategy for Australian property investors. 负扣税是指当投资房产的支出（贷款利息、维护费、管理费）超过租金收入时，这个"亏损"可以从您的其他收入中扣除，从而减少您的应税收入。
Most lenders require a minimum 10-20% deposit for investment properties. With 20% or more, you avoid paying Lenders Mortgage Insurance (LMI). Some lenders accept 10% deposit with LMI. If you have equity in an existing property, you may be able to use that as your deposit — meaning you could purchase with no additional cash. 大多数银行要求投资房首付10-20%。如果您现有房产有净值，可以用作首付。
Interest-only (IO) loans are popular with investors because they keep repayments lower and maximise tax-deductible interest. IO periods typically last 1-5 years. Principal & Interest (P&I) builds equity faster and usually has a slightly lower rate. The right choice depends on your cash flow, tax situation, and investment strategy — we help you model both scenarios. 只还利息（IO）贷款更受投资者欢迎，因为还款金额更低且最大化了可抵税的利息。本息同还（P&I）则能更快积累净值。
Yes. Many of our clients build portfolios of 3, 5, or even 10+ properties. The key is structuring your loans correctly from the start — using separate loans, cross-collateralisation strategies (or avoiding them), and maximising your borrowing capacity at each step. We plan your portfolio lending strategy so each purchase strengthens your position for the next. 可以。很多客户拥有3套、5套甚至10套以上投资房。关键是从一开始就正确规划贷款结构。
When you sell an investment property for a profit, you pay CGT on the gain. However, if you hold the property for more than 12 months, you receive a 50% CGT discount — meaning only half the profit is added to your taxable income. This is why most investment strategies focus on long-term holds. Your loan structure can also impact your overall tax efficiency. 卖出投资房获利时需要缴纳资本增值税，但持有超过12个月可享受50%的折扣。
Absolutely. This is one of the most powerful strategies for property investors. If your home has increased in value, you can access the equity (the difference between its value and your remaining loan) to use as a deposit for an investment property. We help you set this up properly so you maintain clean loan structures for tax purposes. 完全可以。如果您的自住房已经增值，可以提取净值作为投资房的首付，我们帮您正确设置贷款结构。
Yes, investment loan rates are typically 0.2-0.5% higher than owner-occupier rates. However, the difference varies significantly between lenders. By comparing 30+ lenders, we often find investment rates that are competitive with or even below what your bank offers for owner-occupier loans. The interest is also tax-deductible, which effectively lowers your cost. 是的，投资贷款利率通常比自住贷款高0.2-0.5%，但不同银行差异很大，而且利息可以抵税。
Cross-collateralisation means linking multiple properties under one loan or lender as security. While it can simplify the process, it can also limit your flexibility — if you want to sell one property or switch lenders, it becomes complicated. We generally recommend keeping each investment property on its own standalone loan to maintain maximum flexibility. 交叉抵押是指将多套房产作为同一贷款的担保。我们通常建议每套投资房独立贷款，保持最大灵活性。
Book a free strategy call to discuss your investment goals. We'll review your borrowing capacity, loan structure options, and next steps — no obligation.