Invest in Property With a Plan

Many investors buy with 10–20% deposit. At 20% you often avoid LMI. Lower deposits can be possible depending on lender policy and your overall position. We’ll map deposit + costs + buffer so you don’t feel stretched.

It depends on your goals and risk comfort. IO can improve cashflow and keep flexibility, while P&I reduces debt over time. We’ll model both and help you pick a strategy that fits your portfolio plan.

Yes, but most lenders “shade” rental income (they don’t use 100%). The exact treatment varies by lender and your scenario. This is why lender selection matters for investors.

Often, yes—if you have usable equity and you still service the new debt. The key is structuring it cleanly (separate splits) and keeping a sensible buffer.

For many investors, features like offset, splits, and flexibility can be worth more than a slightly lower rate—especially if you’re planning future purchases or value a strong buffer.

Timing depends on lender and complexity. A well-packaged investor file can be quick, but valuations and lender policy checks can add time. We’ll aim for speed and strength.

Yes. Many investors review their structure and lender fit as their portfolio grows. We can help you refinance strategically (not just rate-chasing) to support your next goal.

We can discuss how loan structure affects cashflow and lending outcomes, but tax outcomes are best confirmed with your accountant. If needed, we’ll coordinate your plan around their guidance.