Whether you’re buying your first investment or growing your portfolio, we help you find finance that supports your goals.
Personalised Advice
Multiple Lenders
End-To-End Support
Ongoing Reviews
Smarter Finance for Your Property Portfolio
Property investment is about more than securing finance for your next purchase. The way your lending is structured can affect your cash flow, borrowing capacity and ability to continue growing your portfolio. Iron Advantage takes the time to understand your current position and future plans before comparing suitable options across our lender panel. We help you make informed lending decisions with confidence.
Finance Solutions for Every Stage of Investing
First Investment Property
Guidance and lending options to help you confidently purchase your first investment.
Portfolio Growth
Finance strategies designed to support your next purchase and long-term property goals.
Investment Refinancing
Review existing investment loans and explore opportunities for a more suitable structure.
Equity for Investment
Explore whether available property equity could support your next investment purchase.
Construction & Investment
Finance options for investors building new properties or undertaking eligible projects.
SMSF Property Loans
Specialist lending solutions for eligible property investments through SMSF structures.
A Clear Path to Your Next Investment
Understand Your Goals
We discuss your financial position, existing properties and investment objectives.
Assess Your Options
We review borrowing capacity and compare suitable lenders and loan options
Build Your Lending Strategy
We recommend a lending approach aligned with your circumstances and future plans.
Application & Settlement
We manage the application process and coordinate with the lender through to settlement.
Ongoing Support
We continue reviewing your lending as your portfolio and financial needs evolve.
Investment Loans Designed Around Your Goals
Build your property portfolio with tailored finance and trusted guidance.
Structure Your Finance for What Comes Next
Understand Your Borrowing Capacity
We assess your financial position and compare lender requirements to help you understand your borrowing options.
Consider the Right Loan Structure
We explore suitable lending structures based on your circumstances, investment objectives and future plans.
Plan for Portfolio Growth
Your next loan shouldn't be considered in isolation. We look at your broader goals and how your lending may support future opportunities.
The Advantage of Working with Us
Access to a Broad Panel of Lenders
Compare options across a broad lender panel to find finance suited to your needs
Tailored Lending Strategies
Lending strategies tailored to your circumstances, objectives and future plans.
Finance & Accounting Expertise
Combining finance and accounting expertise to provide clear strategic guidance.
Personalised Service at Every Step
Personalised support focused on understanding your individual needs and goals.
Ongoing Home Loan Reviews
Regular loan reviews help ensure your lending continues to align with your goals
End-to-End Support and Guidance
Guidance and support from consultation through to approval and final settlement.
Investment Loans FAQs
Got questions? We’re here to help.
If you can’t find the answer you’re looking for, get in touch and our team will help you explore your investment finance options.
How much can I borrow for an investment property?
Your borrowing capacity depends on your income, expenses, existing debts, available deposit or equity, and the lender’s assessment criteria. Potential rental income may also be considered. We can review your position and compare suitable investment loan options across multiple lenders.
How much deposit do I need for an investment property?
The deposit required depends on the property, lender and your financial circumstances. A larger deposit generally reduces your loan-to-value ratio (LVR), while higher-LVR loans may involve additional costs such as lenders mortgage insurance. We can help you understand the deposit and lending options available to you. Moneysmart
Can I use equity to purchase an investment property?
Potentially. If you have sufficient usable equity in an existing property, it may be possible to use that equity towards the deposit and costs of an investment purchase. We can help assess your existing lending and explore suitable options for your next investment.
How does rental income affect my borrowing capacity?
Lenders may include expected or existing rental income when assessing an investment loan, although the amount they recognise and their assessment methods can vary. Your overall income, expenses, debts and financial commitments will also influence how much you may be able to borrow.
Should I choose principal and interest or interest-only repayments?
The right repayment structure depends on your investment strategy, cash flow and financial circumstances. Principal and interest repayments progressively reduce your loan balance, while interest-only repayments generally provide lower initial repayments but do not reduce the principal during the interest-only period. Moneysmart
Can I refinance my existing investment loans?
Yes. Refinancing can provide an opportunity to review your interest rate, loan features and overall lending structure. We can assess your existing investment loans, compare suitable alternatives and determine whether refinancing aligns with your current property and financial goals.
Can I finance multiple investment properties?
Yes, subject to your financial position and lender criteria. As your portfolio grows, borrowing capacity, existing debts, rental income and loan structure become increasingly important. We can help review your portfolio and explore lending strategies that support your future investment plans.
Can I purchase an investment property through an SMSF?
An SMSF may be able to borrow to purchase eligible investment property through a limited recourse borrowing arrangement (LRBA), but strict superannuation rules apply and these arrangements can be complex. We can assist with the lending component alongside appropriately licensed financial, legal and tax advisers.
Ready to Grow Your Property Portfolio?
Whether you’re considering your first investment or planning your next purchase, speak with our team about finance options tailored to your goals.
