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Investment Loans

Structure matters more than the headline rate. We set up borrowing that keeps your next purchase possible.

Most investors do not stall because of interest rates. They stall because the first two loans were structured in a way that blocks the third. Cross-collateralised security, the wrong lender order and mixed-purpose accounts all shrink what you can do next.

We plan the borrowing around where you want to be in five years, not just this settlement. That means keeping securities separate where it helps, using lenders in a sensible sequence, and keeping the loan splits clean enough that your accountant can actually work with them.

Estimate your repayments

$650,000
6.10% p.a.
30 years

Your estimated repayment

$3,939/month

Total interest

$768,028

Total amount

$1,418,028

Estimate only, based on a principal and interest loan with the rate held constant for the full term. It excludes fees, lenders mortgage insurance and rate changes, and it is not an offer of credit.

What we look at

Keeping securities uncrossedSeparate loans against separate properties keeps your options open when you want to sell or release equity later.
Lender order mattersSome lenders assess existing debts generously, others do not. Using them in the wrong order can cost you a purchase.
Interest only where it earns its keepIt improves cash flow and it costs more over time. We model both so the decision is deliberate.
Clean splits for tax timeDeductible and non-deductible borrowing kept in separate accounts, so nothing gets contaminated.

Our Lending Partners

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