Understanding Investment Home Loans

Investment loans differ from standard owner-occupied home loans. They generally have stricter lending criteria, may require a higher deposit, and are often priced at a slightly higher interest rate.

Lenders assess investment loans more conservatively due to regulatory restrictions and risk management policies. This makes it even more important to structure your finance correctly and choose the right lender for your situation.

At Finhomes, we help you navigate these requirements and identify lenders that are actively supporting property investors.

Loan Options for Property Investors

As an investor, you can choose from a range of loan structures depending on your strategy:

• Variable Rate Investment Loans
  Offer flexibility, including offset accounts and redraw facilities.

• Fixed Rate Investment Loans
  Provide repayment certainty for budgeting and planning.

• Interest-Only Investment Loans
  Can assist with cash flow management for eligible borrowers.

• Split Loans
  Combine fixed and variable portions to balance flexibility and certainty.

We’ll explain how each option works and recommend a structure aligned with your investment goals.

Using Equity to Invest

Many investors use existing equity in their current property as a deposit for their next investment.

Equity is the difference between your property’s market value and the remaining loan balance. When structured correctly, equity can be a powerful tool to help you grow your portfolio without needing to save a full cash deposit.

We’ll help assess your equity position and structure it responsibly.

What Lenders Look For

To strengthen your investment loan application, lenders typically want to see:

* A good repayment history on existing debts

* Stable income and serviceability

* A clear asset and liability position

* Well-prepared documentation

Finhomes helps you prepare and present your application to improve approval outcomes and reduce delays.

Why Finance Strategy Matters for Investors

The right investment loan structure can help you:

* Increase rental cash flow

* Access more competitive interest rates

* Reduce interest costs over time

* Pay off loans faster

* Avoid paying for features you don’t use

* Expand your property portfolio strategically

Your finance is more than just numbers — when structured correctly, it can open doors to new investment opportunities.

Who We Help

* First-time property investors

* Experienced portfolio investors

* Investors using equity to grow

* Investors reviewing or refinancing existing loans

* Clients investing for long-term retirement planning

Whether you’re just starting out or looking to optimise your current portfolio, Finhomes provides clear guidance and tailored solutions.

Why Choose Finhomes for Property Investment Lending

If you’re considering investing in property or reviewing your existing investment loans, contact Finhomes today to explore your options and ensure your finance is working as hard as you are.

• Access to over 50 Australian lenders
• Experience with investor and complex lending
• Tailored finance strategies, not one-size-fits-all solutions
• Clear, transparent advice
• Digital, streamlined application process
• Ongoing support as your portfolio grows