Investment loans

Investment Property Finance

Investment Loans

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Investment Property Finance

Investment Loans That Work Around Your Goals

Investment loans form a key part of many property strategies, and the finance structure behind them needs to be considered carefully from the outset.

At Capital Avenue Mortgage and Finance, we work with clients to explore investment loan options, understand how their current position may support a purchase, and align each scenario with lender policy.

Whether you are buying your first investment property, using equity from your home, refinancing an existing investment loan, or looking to expand your portfolio — the focus is on ensuring the structure makes sense both now and into the future.

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Investment Loans
How We Help

How We Help With Investment Loans

Every scenario is different. We take the time to understand your position and work through the options that may be available to you.

01
Borrowing Capacity Review
Reviewing your current financial position and borrowing capacity to understand what may be achievable before approaching lenders.
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02
Equity Exploration
Exploring the use of equity from an existing property to support a new investment purchase and how to structure it correctly.
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03
Lender Comparison
Comparing lenders and their servicing models to identify which options best suit your income profile and investment goals.
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04
Loan Structure Advice
Structuring the loan including Principal & Interest or Interest Only options based on your cashflow needs and long-term strategy.
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05
Rental Income Assessment
Explaining how lenders assess rental income and commitments, and how this impacts your overall borrowing position.
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06
Refinancing Strategy
Reviewing existing investment loans and repayment strategies to identify whether a refinance improves your position.
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Common Scenarios

Situations We Can Help You With

Each scenario can be assessed differently by lenders — understanding this is key to choosing the right structure and lender from the start.

01
Purchasing a first investment property
02
Using equity from an owner-occupied home
03
Refinancing an existing investment loan
04
Purchasing an additional investment property
05
Reviewing current rates and loan structure
06
Restructuring loans to improve cashflow
Lender Assessment

What Lenders Typically Consider

While requirements vary, these are the key factors lenders will generally assess when reviewing your application.

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Income and employment position
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Existing loans, credit cards, and liabilities
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Rental income and how much is used for servicing
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Deposit or available equity
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Property type and location
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Loan purpose and overall structure
Important to Know

Key Points Worth Understanding Early

Taking the time to structure things properly from the start can help avoid unnecessary complications later.

Discuss Your Scenario →
Investment lending policies vary between lenders
What one lender accepts, another may not. Lender selection and policy match matters significantly to the outcome.
Borrowing capacity can differ based on rental income
Different lenders shade rental income differently, which directly affects how much you can borrow.
Interest-only and P&I structures impact cashflow
Understanding which structure suits your situation is important before committing to a product.
Using equity needs correct structuring
Cross-collateralisation and loan splitting can have long-term implications for your property portfolio.
Planning beyond the initial purchase matters
Structuring your first investment with future purchases in mind avoids limitations down the track.
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Related Lending Options

Depending on your situation, you may also want to explore these lending options.

Refinancing→ Debt Consolidation→ Construction Loans→ Renovation Loans→
Take The Next Step

Start Building A Smarter Property Finance Strategy Today

We can walk through your scenario and outline how lenders are likely to assess it. From there, we can identify suitable options and help you decide on the next steps.

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General advice only. Capital Avenue Mortgage and Finance. Not a credit quote or offer of finance.