Investment Loans

Tax-structured borrowing for investment purposes

Your independent lending expert

My Finance Agent is your FBAA Finance Broker of the Year for NSW & ACT

FBAA Finance Broker of the Year (NSW & ACT) 2023

My Finance Agent wins Best Professional Services in the Local Business Awards Sydney

Local Business Awards Winner Best Professional Services (Sydney) 2019 & 2024

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FBAA FINANCE BROKER OF THE YEAR (NSW &ACT) 2024

Australia's award-winning mortgage broker My Finance Agent

Invest in your future with our expert support

Greg was very helpful in purchasing my investment property. The perfect property came up and he was very efficient working towards a very short timeframe. —Stuart

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Best mortgage broker near me - My Finance Agent Sydney & Bathurst - All your lending needs

Track the changing value of your investment portfolio

THE MY FINANCE AGENT APP IS A GAME CHANGER

Monitoring the value of your investment portfolio, including estimated property equity and value of shares, is simple with the My Finance Agent App.

Our award-winning solution lets you visualise your Loan to Value Ratio (LVR) and see all loans associated with your property and other investments, all in one easy-to-use dashboard.

Haven't invested yet? Set a savings goal and track your progress. You can even alert us when you’ve reached your deposit milestone so we can progress you to the next stage.

Buy an investment property with Sydney's best mortgage broker

Why select us as your investment loan expert?

Award-winning service and customised solutions.

My Finance Agent NSW Mortgage Broker of the Year

5.0 CUSTOMER RATING

150+ reviews

Our success hinges on your success

You can rely on us to ensure that the loan process goes smoothly.

Paperless process

Forget about the stress of a paper chase. Our document management process is nearly 100% electronic for your convenience, privacy and peace of mind.

Smooth settlement process

We coordinate with you and your parties, as well as the vendor's representatives, to make sure everything goes smoothly.

Follow up care & appreciation

Where other brokers wave goodbye, we turn up with a housewarming gift. We also conduct post-settlement check-ins and annual reviews for the life of your loan.

Customised strategy

Owning assets can open up all sorts of wealth-building opportunities. If you are interested in investing, retiring, growing a business, or simply paying off your mortgage sooner, we can help to devise a customised strategy.

Tailored lending advice to maximise profit and tax efficiency.

Whether you are investing in commercial or residential real estate, shares, managed funds, or specialised securities, for your investments to be profitable, it helps to have a trusted advisory team to guide and support your decisions. Since 2014, we have been designing and executing customised loan strategies for prudent investors. With access to 60+ lenders and a wealth of experience, our mission is to provide Australian investors with peace of mind and maximum profits.

Tailored Strategies

Whether you are a new or experienced investor, we craft a tailored strategy around your specific goals; for example, paying off your primary residence, managing cash flow, and leveraging property equity for future opportunities.

Expert Care

We provide free property research tools and access to a national network of real estate buyer's agents and investment professionals, ensuring informed, profitable investment decisions.

Competitive Rates

With access to over 60 lenders, we can find you, not just a market-leading interest rate, but the perfect fit in terms loan features and repayment terms, tailored to your specific investment needs.

Tax Structured

Our strategies are built around tax-efficient borrowing solutions that are designed to enhance your wealth creation process while considering the complexities of Australian tax regulations.

Investment Loan FAQs

We're here to answer all of your questions.

To be eligible for an investment loan, you'll typically need a strong credit history, stable income, and the ability to meet loan repayments. Most lenders also require a deposit (usually at least 20%) or equity in an existing property or cash deposit. Specific criteria may vary based on the type of investment and lender policies.
You'll need identification, proof of income (such as payslips or tax returns), bank statements, details of current assets and liabilities, and information about the property you wish to buy. Many lenders also want to see a budget or cash flow projection that demonstrates your understanding of the financial commitment and your ability to manage repayments. We will assist with this as part of our brokerage service.
If the loan is for an investment property, the process includes obtaining pre-approval (recommended but not required), finding the right property, submitting the loan application, and completing settlement. Our team leads this process to ensure a smooth experience.

For other investment purposes, such as shares, the loan process typically involves obtaining pre-approval based on your financial situation and submitting a detailed loan application. The lender will expect you to provide an asset to secure the loan—often an existing property or another valuable asset such as shares—which they will need to value before finalising approval.

Following the disbursement of funds, we remain in touch to check that the loan is set up properly and running smoothly. We then conduct a loan review every year to ensure that your rate, terms and loan features are always market-leading for your situation.
The time it takes to get an investment loan can vary depending on several factors, including lender processing times, the complexity of your financial situation, and the completeness of your application. Typically, the process can take anywhere from one to four weeks. This includes the time for submitting documents, undergoing a credit assessment, asset valuation, and formal approval.
Aside from loan repayments, investment loans in Australia may incur several loan-related expenses. These can include stamp duty, loan application fees, valuation fees, and ongoing loan maintenance fees. Lenders mortgage insurance (LMI) may be required if you’re borrowing more than 80% of a property’s value. There could also be fees for settlement, legal documentation, and, if applicable, break fees for early loan repayment or refinancing. Our job is to ensure that any and all costs are detailed and compared before you commit to a lender. We work to keep your costs to a minimum.
The first step is to assess your financial situation and investment goals. We recommend scheduling a consultation to explore your loan options and discuss your needs.

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Buy investment properties with confidence

Navigating the property market can be daunting. But with the right preparation and a non-emotional, business-orientated mindset, you can make informed decisions and secure the best opportunities.

This is why having a trusted loan advisor makes all the difference. Understanding your borrowing capacity, knowing the right loan structure for your investment goals, and having access to expert guidance can give you the confidence to act when the time is right.

While pre-approval isn’t mandatory, it’s a valuable tool that helps clarify your budget and streamline the buying process, allowing you to approach negotiations with more certainty and a competitive edge.