How much deposit do I need for an investment property?

Most lenders require a minimum 10–20% deposit, though you may borrow up to 90% of the property’s value with Lenders Mortgage Insurance (LMI).

Can I use equity from my home to buy an investment property?

Yes. You can release equity from your existing property to fund your deposit or purchase costs — a common strategy for portfolio growth.

What’s the difference between an owner-occupied and investment loan?

Investment loans are designed for properties you rent out for income, often with different interest rates, repayment options, and tax advantages.

Are investment loan interest rates higher?

Generally yes, investment loans have slightly higher rates than owner-occupied loans due to higher lending risk — but our team compares 30+ lenders to secure the most competitive deal.

Should I choose Interest-Only or Principal & Interest repayments?

Interest-Only repayments can improve cash flow and tax efficiency short-term, while Principal & Interest reduces total interest costs over time — our brokers can help structure what’s right for your strategy.

Can I claim tax deductions on my investment loan?

Yes. You may be able to claim interest, management fees, and property expenses as deductions — though always confirm details with your accountant.

I’m self-employed — can I still get an investment loan?

Absolutely. Our Low Doc and Full Doc options make it possible for self-employed investors to access competitive rates with alternative income verification.

How long does approval take?

Conditional approval is usually achieved within 48–72 hours once all documents are provided, depending on the lender and loan structure.

Can I refinance my investment loan later?

Yes. Many investors refinance to unlock equity, access better rates, or adjust loan structures as their portfolio grows.

What costs should I budget for as an investor?

Consider stamp duty, legal fees, property management costs, and maintenance, along with potential loan setup fees — we’ll help you map out these expenses upfront.

Residential Investment Loans | Rethink Financing

At Rethink Financing, we specialise in residential investment loans that make your money work harder. Whether it’s your first investment property or part of a growing portfolio, we’ll help you secure finance that balances returns, flexibility, and tax efficiency.

Get Pre-Approved

Build Wealth Through Property, Backed by Smart Lending

Residential investment loans are designed to help you purchase, refinance, or expand your property portfolio. With tailored loan structures and interest options, you can maximise rental income, minimise repayments, and take control of your investment strategy.

Check Your Eligibility

Competitive Investor Rates – Access exclusive offers from 30+ banks and non-bank lenders.

Flexible Repayment Options – Choose between Interest-Only or Principal & Interest terms.

Multiple Loan Structures – Split, offset, and redraw features for smarter management.

Tax Efficiency – Structure your loan to support negative gearing and investment goals.

Portfolio Expansion – Reuse existing equity to fund your next property.

Check Your Eligibility

Your Investment Loan in Three Easy Steps

STEP
1

Strategy & Assessment

We’ll review your income, equity, deposit and investment goals to determine borrowing power and structure.

STEP
2

Compare & Apply

Access 30+ lenders and investment loan products tailored to your needs.

STEP
3

Approve & Grow

Get fast approval and settle your investment property with ongoing support from our lending team.

Speak With Our Investment Team

Experience You Can Trust

We’re an award-winning finance team who believe every residential investor deserves clarity and confidence. Our brokers work independently from the banks, meaning we find the best deal for you, not the lender.

30+ lenders compared

Smart loan structures for your future goals

Plain-English explanations and updates

Competitive rates

Recognised industry expertise 

Speak to a Home Loan Expert

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Learn more about your finance options today.

Insert your details to book your complimentary introductory call with one of our Finance team.

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When are you looking to purchase your next property? *

What is your estimated deposit? (AUD) *

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How did you hear about us? *

Do you have a 3+ years lease in place?

Yes

Does the tenant operate business between 6:00am to 6:00pm?

Yes

Can you provide at least one power bill issued within the preceding 3-months?

Yes

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Residential Investment Loan FAQs

Before reaching out, check out our frequently asked questions to see if we’ve already answered what you’re looking for.

Award-winning
commercial
property financers

Our offering

We specialise in providing personalised solutions, recognising that each client and their situation is immensely unique. The Rethink Financing approach involves tailoring strategies to align precisely with individual goals. With access to a wide array of lenders, we’re not confined to specific products or banks, ensuring a diverse range of options for our clients. Backed by our team’s expertise and diligent guidance, you can trust us to provide thorough advice and support every step of the way.

Our Strategy

We pride ourselves on fostering strong networks and relationships with all key stakeholders including lenders, BDMs and bankers, enabling us to collaborate effectively and transparently. Through these network relationships, they support us as we support them in achieving mutual success.

Knowledge sharing is fundamental to our ethos, through weekly team collaborations, workshops and peer reviews, we ensure that insights are exchanged, lessons learned, and challenges addressed.