Investment Property Loans

Build wealth through property investment with tailored financing solutions. Whether you're buying your first investment property or expanding your portfolio, we'll help you structure the right loan.

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Investment Benefits

  • Interest-only payment options
  • Tax deductible interest
  • Borrow up to 90% LVR*
  • Use equity from existing properties
*Subject to lending criteria and investment property requirements.

Investment Loan Options

Choose the right investment strategy for your goals

Buy & Hold Strategy

Traditional rental property investment for long-term capital growth

  • Interest-only payment options
  • Tax deductible interest
  • Equity growth potential
  • Rental income stream
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Renovation Projects

Finance properties for renovation and value-add opportunities

  • Progress payment facilities
  • Construction loan options
  • Flexible settlement terms
  • Value uplift potential
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Portfolio Expansion

Leverage existing property equity to expand your investment portfolio

  • Cross-collateralisation options
  • Equity release strategies
  • Multiple property financing
  • Portfolio optimization
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Commercial Property

Investment loans for commercial and industrial properties

  • Longer loan terms available
  • Self-managed super fund options
  • Higher rental yields
  • Professional tenant base
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Why Choose Freedom Financing for Investment Loans?

Your partner in building wealth through property

Investment Strategy

Tailored financing solutions to match your investment goals

Tax Optimization

Structure loans to maximize tax deductions and benefits

Portfolio Management

Ongoing support for growing and managing your property portfolio

Market Insights

Access to market data and investment property analysis

Investment Property Considerations

Important factors to consider when investing in property

Cash Flow Analysis

Ensure rental income covers loan repayments and expenses. Consider vacancy periods, maintenance costs, and property management fees in your calculations.

Location Research

Research growth areas, infrastructure development, employment hubs, and rental demand. Location is crucial for both capital growth and rental yield.

Risk Management

Consider landlord insurance, income protection, and diversification across different property types and locations to minimize investment risks.

Tax Implications

Understand depreciation benefits, negative gearing implications, and capital gains tax. Consult with a qualified accountant for tax advice.

Investment Loan FAQs

Answers to common investment property financing questions

Most lenders require a minimum 20% deposit for investment properties to avoid Lenders Mortgage Insurance (LMI). However, some lenders may accept lower deposits with LMI. We can help you explore options including using equity from existing properties as security.

Yes, interest on investment property loans is generally tax deductible, along with other property-related expenses like maintenance, property management fees, and depreciation. We recommend consulting with a tax advisor for specific advice on your situation.

Interest-only loans allow you to pay just the interest for a set period (typically 1-5 years), which can improve cash flow and maximize tax deductions. Principal & interest loans build equity faster but have higher repayments. Many investors start with interest-only to establish the investment.

There's no set limit, but it depends on your income, assets, debt-to-income ratio, and overall financial position. Most lenders become more cautious after 4-6 properties. We can help structure your portfolio to maximize borrowing capacity.

Using equity can be an effective strategy to access funds without selling assets. Options include refinancing, line of credit facilities, or cross-collateralisation. Each has different benefits and risks - we'll help you choose the right structure for your situation.

Start Your Investment Journey

Ready to build wealth through property investment? Our team will help you structure the right financing solution for your investment goals.

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