An investment property loan allows you to purchase property with the goal of generating income or building long-term wealth.
Whether you’re looking to buy a rental property or expand your real estate portfolio, Finance for Living helps you find tailored investment property loans designed to fit your financial goals.
By assisting you in securing an investment loan, you can take advantage of Australia’s property market and achieve financial independence.
At Finance for Living, we combine local expertise with a personalised approach. We understand Melbourne, Victoria’s property market and ensure that every loan option is tailored to fit your financial goals.
The entire process is as hassle-free as possible! From the moment we start, through to settlement, we handle all the loan paperwork so you don’t have to. And once your investment is secured, we’ll be here to provide ongoing loan support as your property portfolio grows.
Start building your property portfolio today with loan options tailored to your needs.
Consider exploring an investment property loan if you:
A young professional in Melbourne, Victoria wanted to make their first investment in a rental property.
Finance for Living helped them find a competitive loan, enabling the purchase of a property with high rental demand.
The client now enjoys passive income, with the property increasing in value over time.
An experienced investor aimed to expand their portfolio by purchasing multiple investment properties.
We structured loan options that allowed them to acquire two new properties while keeping repayments manageable.
The client is now benefiting from rental income and capital growth across their expanded portfolio.
The amount you can borrow depends on several factors, including your income, existing debts, credit history, and the value of the property you’re interested in.
Typically, lenders may allow you to borrow up to 90% of the property’s value, but this can vary. We can help you assess your borrowing capacity and present options that align with your financial goals.
Yes, investment property loans often have slightly higher interest rates compared to owner-occupied home loans.
However, we work with multiple lenders to secure competitive rates for your investment, potentially saving you significant amounts over the life of your loan.
Absolutely. Many investors leverage the equity in their existing home to fund the purchase of investment properties. This strategy can reduce the need for a large cash deposit and may provide tax benefits (though your accountant is the one for taxation advice!).
We’ll help you explore this option and structure your loan to maximise your investment potential.
Many of our investors buy in different parts of the country. And many use options that utilise AI to help guide the location of the purchase. With careful planning and the right financing, investing in property can be a profitable way to build wealth over the long term.
We provide market insights to help you make informed decisions.
The loan approval process typically takes about a week from loan submission,depending on your individual circumstances and the lender’s requirements.
We strive to make the process as quick and smooth as possible by proactively managing all aspects of your application.
Owning an investment property may offer various tax benefits, such as deductions for interest payments, property management fees, and depreciation. However, it’s essential to understand the tax obligations and reporting requirements,
We recommend consulting with a tax professional to fully understand how investing in property can affect your tax situation.
Yes, some lenders offer investment property loans with a lower deposit requirement, though this may come with higher interest rates or the need for lenders mortgage insurance (LMI).
We’ll help you find lenders who offer favourable terms even if you have a smaller deposit.
Various loan types are available for investment properties, including interest-only loans, fixed-rate loans, and variable-rate loans.
Each has its benefits depending on your investment strategy. We’ll help you choose the loan type that best aligns with your financial objectives.
Take control of your financial future today. Whether you're securing your first investment or expanding your portfolio, our expert guidance and access to a wide range of loan options will set you on the path to success.
Want the latest updates? We don’t like spammers either, so we only send you emails from time to time
Simon O’Kelly (Credit Representative Number: 439252) and Ainslie Conheady (Credit Representative Number: 537417) are credit representatives of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit Licence 391237. Copyright © 2025 – Credit Guide and Privacy Disclosure Statement & Consent: Simon O’Kelly, Ainslie Conheady. Website by nuvismedia
