Investment Property Loans
Interested in growing a property portfolio in Chatswood or the Lower North Shore? Speak with a Chatswood Home Loans broker about investment property lending
Investment loans are financial products designed for individuals looking to invest in assets such as property, shares, or managed funds. These loans provide the capital required to make such investments with the aim of generating income or capital growth over time.
Why choose a Chatswood broker for your property investment journey?
Investing in property in the Lower North Shore (Chatswood, Willoughby, Lindfield, Artarmon, Lane Cove) demands more than just securing a home loan. The challenges include optimising tax benefits, managing cash flow, obtaining suitable interest-only structures, and scaling a portfolio. A mortgage broker based in Chatswood brings local market insight, lender relationships and structuring expertise tailored to investors.
We help property investors to:
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obtain rental investment loans with structures suited to yield and growth
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implement interest-only or split loan features to improve cash flow
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access negative gearing benefits and manage tax planning (in partnership with your accountant)
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structure finance for multiple investment properties / scaling
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manage refinancing and equity release to fund your next investment
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navigate lender policies for investors, such as serviceability tests, interest rate buffers and valuation requirements
Key features & strategies for investment property loans
Interest-only periods Often used by investors to reduce repayment burden in early years, freeing cash flow for other investments or renovations.
Negative gearing structuring We help you balance offsetting deductibility with cash flow, ensuring your finance setup works alongside your tax strategy.
Refinancing & equity unlocking When your investment increases in value or you have accumulated equity, refinancing or equity release can fund your next investment without needing new savings.
Loan features & flexibility We prioritise flexibility — features such as redraw, offset, split loans, and ability to switch between loan types are considered from the start.
Multiple investment properties As your portfolio grows, lenders may treat you as a “portfolio investor.” We manage this transition, advising on lender policies, stress testing, and overall servicing.
Common scenarios we support
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Buying your first investment unit in Chatswood
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Upgrading to a dual-key or duplex in Lindfield / Artarmon
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Moving from owner-occupied to investment (reclassifying your current home)
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Refinance existing investment loans to better rates or structure
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Funding a second or third property without eroding cash flow
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Using equity in current properties to fund your next purchase