Investment Loans
Compare a range of investment loan options with guidance tailored to your property goals and borrowing needs
Investment Loans
Investment property finance is not just about finding the lowest interest rate. The right loan strategy can affect your cash flow, tax position, borrowing capacity and ability to purchase again in the future.
At Finance Broker Melbourne, we help property investors compare investment loan options, understand lender policy and structure finance around their broader property goals.
Whether you are buying your first investment property, refinancing an existing loan or expanding your portfolio, we provide clear lending advice from strategy through to settlement.
Property Investment Finance Starts With Strategy
A strong investment loan strategy starts before you sign a contract.
Many investors focus on the purchase price, rental income and interest rate, but the way the finance is arranged can be just as important. Your loan structure can affect your repayments, available cash flow, tax position and future borrowing flexibility.
For example, if you have a home loan and receive a lump sum, such as an inheritance or large cash saving, using that money directly as a deposit for an investment property may not always be the best structure.
In some cases, it may be more effective to use the lump sum to reduce your non-deductible home loan debt, then borrow separately for the investment property deposit and purchase costs.
This can help reduce personal home loan debt, which is generally not tax deductible, while allowing you to borrow separately for investment purposes. It also helps keep the purpose of the investment borrowing clear, so the use of funds can be more easily identified, documented and discussed with your accountant.
The key is to keep personal borrowings and investment borrowings clearly separated, with a clean money trail and a loan structure that supports your broader objectives.
Buying Your First Investment Property
Buying your first investment property is a major step. It is different from buying a home to live in, because the lender will consider rental income, investment expenses, existing debt, living costs and your overall ability to manage the loan.
Before buying, it is important to understand your borrowing capacity, deposit requirements, purchase costs and likely repayments. You should also consider how the loan will fit with your personal home loan, cash savings and future plans.
We help first-time investors understand:
The right first investment loan can give you a stronger foundation, especially if your goal is to buy more than one investment property over time.
Using Equity to Build Your Portfolio
Many investors use equity in an existing property to help fund the deposit and costs for their next investment purchase.
Equity is the difference between the value of your property and the debt secured against it. If you have enough usable equity, a lender may allow you to borrow against your existing property and use those funds towards an investment property.
This can reduce the need to use personal cash savings and may allow you to keep cash available for buffers, repairs, renovations, vacancies or unexpected expenses.
However, using equity needs to be structured carefully. The new borrowing should usually be separated from your existing home loan or personal debt, especially where the funds are being used for investment purposes.
At Finance Broker Melbourne, we help investors understand how much equity may be available, how different lenders assess equity release, and how the new lending may affect repayments, borrowing capacity and future loan options.
Cash Flow, Repayments and Tax Considerations
Investment property lending should be considered from both a cash flow and after-tax perspective.
Some investors choose interest only repayments to help manage cash flow. Others prefer principal and interest repayments to reduce debt over time. Fixed rates can provide repayment certainty, while variable rates may offer more flexibility. Offset accounts can also be useful where investors want to hold cash while reducing interest costs.
Common investment loan decisions include:
Tax treatment can also be important. The deductibility of interest will generally depend on the purpose of the borrowing, not just the property used as security. This is why clear loan separation and documentation are important.
We do not provide tax advice, but we can work alongside your accountant or financial adviser to help ensure your lending structure is clear, practical and easy to explain.
Borrowing Capacity and Future Lending
A strong investment loan strategy should consider more than the property you are buying today.
If you plan to build a portfolio, the way your first or next investment loan is structured can affect your ability to borrow again later. Lenders assess your income, expenses, existing debts, rental income, credit limits and repayment commitments when calculating borrowing capacity.
This means the lender you choose, the repayment type, the loan term and the way your debts are structured may all influence your future options.
Cash flow is also important. Investment properties can involve costs such as council rates, insurance, owners corporation fees, land tax, repairs, property management fees and vacancy periods. Your loan should be structured with enough flexibility to manage these costs without placing unnecessary pressure on your personal finances.
We help investors review:
The aim is to help you make informed lending decisions before you commit to the next property.
Speak With Finance Broker Melbourne
Finance Broker Melbourne is based on North Road in Ormond and assists property investors across Glen Eira, Bayside and surrounding Melbourne suburbs.
Led by Brendon Cowan, our team helps first-time investors, experienced property owners, professionals and self-employed borrowers structure investment loans with clear, practical lending advice.
Whether you are buying your first investment property, refinancing an existing investment loan or expanding your portfolio, we can help you compare lenders, understand your borrowing position and structure your investment finance with confidence.
Initial Consultation
We begin with a comprehensive discussion about your financial goals and current situation. During this meeting, we'll assess your borrowing capacity, understand your specific needs, and identify the most suitable loan products for your circumstances. This consultation can take place at our Ormond office or at a location convenient to you.
Financial Assessment
Our team conducts a thorough review of your financial position, including income verification, asset evaluation, and credit history analysis. We work closely with you to gather all necessary documentation, ensuring we present the strongest possible application to lenders. This step is crucial for securing competitive rates and favourable terms.
Loan Structure Design
Based on your assessment, we design a tailored loan structure that aligns with your financial strategy. Whether you're seeking investment property finance, commercial lending, or sophisticated residential solutions, we craft proposals that maximise tax efficiency and support your long-term wealth creation goals.
Lender Comparison and Selection
We leverage our extensive network of premium lenders to compare options across major banks, specialist lenders, and private financiers. Our analysis goes beyond interest rates, examining loan features, flexibility, and serviceability criteria to identify the optimal match for your profile.
Pre-approval Submission
Once we've selected the most suitable lender, we prepare and submit your pre-approval application. Our established relationships with key decision-makers often expedite this process, providing you with conditional approval typically within 24-48 hours for straightforward applications.
Formal Application and Documentation
Following pre-approval, we progress to the formal application stage. We coordinate all required documentation, liaise with valuers and solicitors, and manage the entire process to ensure smooth progression toward settlement. Regular updates keep you informed at every milestone.
Settlement and Ongoing Support
We oversee the final settlement process, ensuring all conditions are met and funds are released on schedule. Our relationship doesn't end at settlement - we provide ongoing portfolio reviews, refinancing assessments, and strategic advice to help you maximise your financial position over time.
Brendon Cowan and his team were awesome couldn’t be happier with their work to get me my first house, always kept me positive, kept me up to date and answered any of my concerns...Thank you mate 👍🏻 ...
Zane Youngman
My wife and I worked with Brendon at Finance Broker Melbourne (FBM) to get pre-approval and financing for our first home in Seaford, and we had a great experience! As first home buyers, we weren’t sure exactly how everything worked, but Brendon made the whole process much easier to understand. He explained things clearly, talked us through our options, and was always happy to answer our questions at any time. He was easy to communicate with and kept us updated along the way. He helped us secure a loan that suited our situation and made sure everything stayed on track through to approval. It took a lot of stress out of what could have been a pretty overwhelming process. We’re really grateful for his help and would definitely recommend Brendon and Finance Broker Melbourne to anyone looking for a mortgage broker, especially if you’re buying your first home. Thanks again!
T J
Brendon assisted me with the purchase of my first home in December 2025. What could ordinarily become a confusing and stressful process was made seamless thanks to Brendon’s expertise, availability and excellent customer service. Thanks to ...
Hollie Cassini
I was EXTREMELY happy with the advise, professionalism & honesty whilst dealing with Brendon at FBM. ...
Sarah-Jane Dooley
My husband and l were having issues in obtaining a home loan with the bank we had been with for over 20 years. We approached Brendon Cowan at Finance Broker Melbourne PL who looked at our application. Brendon Cowan advised us on exactly ...
Natarsha Mcgrady
Brendon and his team are so professional. He went above and beyond to help us secure excellent deals with our two property loans. He is highly experienced, a great communicator with a wealth of knowledgeable and even when something goes ...
Melbourne Girl
A mortgage broker helps you compare loan options from different banks and lenders, assess your borrowing position, and manage the loan application process from start to finish. At Finance Broker Melbourne, we take the time to understand your income, deposit, existing debts, property goals and overall financial position before recommending suitable finance options. We can assist with home loans, refinancing, investment loans, business finance and more complex lending structures. Our role is to help make the process clearer, prepare your application properly, liaise with lenders, and keep you informed through each stage, from the first conversation through to loan approval and settlement.
When you go directly to a bank, you are generally limited to that bank’s own loan products, policies and pricing. As mortgage brokers, we can compare options from a range of banks and lenders, then help identify which lender may suit your circumstances, goals and borrowing position. This can be especially useful if you are self-employed, buying an investment property, refinancing, borrowing through a company or trust, or trying to structure your loan carefully. At Finance Broker Melbourne, we also manage the application process, communicate with the lender, and help you understand the key costs, loan features and approval requirements before you proceed.
No. Finance Broker Melbourne is based in Ormond, Victoria, and we have built a strong client base across Glen Eira, Bayside and nearby suburbs including Bentleigh, McKinnon, Brighton and surrounding areas. However, we also assist clients throughout Melbourne, regional Victoria and across Australia. Many clients choose to work with us by phone, email, video meeting and electronic signing, which means the process can be handled efficiently without needing to visit our office in person. Whether you are local to Ormond or based interstate, we can help review your borrowing position, compare finance options and guide you through the lending process.
We work with a broad range of clients, including first home buyers, upgraders, investors, business owners, self-employed borrowers, company borrowers and trust borrowers. Some clients have straightforward home loan needs, while others require more detailed lending advice due to business income, multiple properties, complex structures or future investment plans. At Finance Broker Melbourne, our team has experience across home loans, investment loans, refinancing, business finance and SMSF lending. Our approach is to understand your circumstances first, then help identify suitable finance options based on your income, borrowing capacity, security position, goals and preferred loan structure.
Yes. Finance Broker Melbourne can assist business and commercial customers, particularly where the finance requirement is over $1 million. Brendon Cowan has years of experience working within major banks and assisting clients with business acquisitions, business expansion, commercial property transactions and more complex lending structures. Business and commercial lending often requires a more detailed assessment of income, security, business structure, financial position and lender appetite. While we can assist with commercial finance, we generally work with business and commercial customers seeking larger lending amounts, and fees may apply for business and commercial lending. Where appropriate, we will explain this clearly before proceeding.
Before your initial consultation with Finance Broker Melbourne, gather basic information about your business including recent financial performance, current debt obligations, and the purpose of the finance you're seeking. Having your latest financial statements, tax returns, and recent bank statements readily available helps us assess your position quickly. Consider the amount of finance required, preferred repayment terms, and any security you can offer. For asset purchases, preliminary details about the equipment or property are useful. Understanding your business goals and how the proposed finance supports these objectives helps us identify the most appropriate solutions. Don't worry if you don't have everything immediately available - we can guide you through the documentation process. The initial consultation focuses on understanding your requirements and providing preliminary advice about suitable options. We then provide a detailed list of required documentation and work with you to prepare a comprehensive application that presents your business proposition effectively to potential lenders.
For most standard residential home loans, Finance Broker Melbourne is generally paid by the lender after settlement, meaning our service is usually provided at no direct cost to the borrower. This can include home loans, refinancing and many investment loan applications. However, some lending scenarios require additional work, specialist structuring or commercial lender negotiations. Fees may apply for business finance, commercial lending, complex structures or larger transactions, particularly where the application requires detailed analysis, lender presentations or negotiation. If a fee applies, we will explain this clearly before you proceed, so you understand the cost, the scope of work and what is included.
It is usually best to speak with a mortgage broker as early as possible, even if you are not ready to apply straight away. Early advice can help you understand your borrowing capacity, deposit requirements, loan options, expected costs and any issues that may need to be addressed before applying. This is especially important if you are buying a property, refinancing, changing jobs, self-employed, purchasing through a company or trust, or planning an investment strategy. At Finance Broker Melbourne, we can help you prepare early, understand your position clearly, and move forward with more confidence when the right opportunity arises.
Services
Home Loans First Home Buyers Investment Loans Construction Loans Refinancing Business Loans Commercial Loans Debt ConsolidationSpecialisation
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Albert Park Beaumaris Bentleigh Brighton Caulfield Elwood Hampton Highett McKinnon Mentone Middle Park Moorabbin Ormond Sandringham St KildaFINANCE BROKER MELBOURNE PTY LTD ABN: 20 149 845 465 is authorised under Australian Credit License #527697
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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