How much can I borrow for an investment property?

It depends on your income, existing debts, rent and each lender's policy. Peter compares lenders on your call.

Interest-only or principal and interest?

Interest-only lowers repayments for a time but you don't pay down the loan. Peter explains the trade-offs for your situation.

Should I buy in a trust?

That's a tax and legal decision. Talk to your accountant. We'll work with them on lending that suits the structure.

Can I use equity from my home?

Often, yes. How it's structured matters. Peter will walk you through the options.

Will I pay a higher rate by using a broker?

Not because you use a broker. ASIC research found that borrowers who use a broker get the same rate as those who go directly to the lender (Report 516, 2017). Your rate depends on the lender, the loan and your circumstances, and we compare options from our panel of 70+ lenders so you can see more choices in one place.

We don’t charge you a broker fee. Lenders pay us for arranging your loan, and using a broker doesn’t mean paying a higher rate. When we help with your home loan, the law requires us to act in your best interests and put your interests first if there’s ever a conflict. We’ll explain how we’re paid before you go ahead. Lender and other third-party fees may apply.

Do I need to be in Melbourne?

No. We help clients Australia-wide by phone or video.

0493 122 353 Book a Call

Investment property

Investment Loan Broker in Melbourne

Stuck at one or two properties? Lenders may see your income differently.

Peter structures investment lending across our panel of 70+ lenders with your next purchase in mind, and leads your loan, with his team behind every step.

Book a 15-Minute Call

70+ lenders on our panel14+ years in property

Australia-wide by phone or video

Peter Chea15-minute discovery call

Book a 15-Minute Call

Need more time? See all options

15 minutes · phone, video or coffee

Is this you?

Where Are You in Your Portfolio?

First Investment

Buying your first investment property, or turning your home into one.

Growing a Portfolio

Hit a borrowing limit? Lenders assess existing loans and rent differently.

Using Equity

Your home's equity could help fund a deposit. Structure matters.

Trusts and Companies

Some lenders lend to trusts and companies, with different rules. Get tax and legal advice on structure.

What lenders look at

What Lenders Look at for Investors

Investment lending has its own rules. Here's what lenders look at.

Rental income
Many lenders count only part of the rent when they assess you, and the share varies.
All your debts
Every existing loan is assessed, often at a higher test rate than you actually pay.
The serviceability buffer
Banks must generally test your repayments at least 3 percentage points above the loan rate (see below).
Interest-only or principal and interest
Each affects repayments, borrowing power and how much you owe over time.
Loan structure
Separate loans for each property can keep options open. Cross-securing can limit them.

Peter matches these details to lenders on our panel that may suit your situation. Approval is always subject to the lender's assessment.

Key facts

The Rule Every Investor Should Know

Because of the buffer, the loan you can get today shapes what you can borrow next. Peter plans with that in mind.

Banks must test whether you could still repay if your rate were at least 3 percentage points higher than the loan rate.

Source: APRA · checked November 2026

Have These Ready

Rental statements or appraisals
Your latest loan statements
Two recent payslips or tax returns
A rough plan for your next purchase

How it works

From First Call to Funding

Book a 15-Minute Discovery Call

Book a 15-Minute Call

Tell Peter what you're planning. By phone, video, or over a coffee at your favourite spot.

Explore Your Options

Peter looks at options from our panel of 70+ lenders and explains the trade-offs.

We Handle the Application

Choose your option. We manage the paperwork and lender questions through to funding.

Client review

“Peter was incredibly helpful with reviewing my financing. I found him to be very organised, professional, and a clear communicator. He is highly recommended.”

Lucy · Blue Finance client

Peter CheaPrincipal Finance Broker

“You’ll speak to me on the first call. I’ll lead your loan personally, with my team backing every detail.”

70+ lenders on our panel14+ years in property

Questions

Investment Property Questions, Answered

: It depends on your income, existing debts, rent and each lender's policy. Peter compares lenders on your call.
: Interest-only lowers repayments for a time but you don't pay down the loan. Peter explains the trade-offs for your situation.
: That's a tax and legal decision. Talk to your accountant. We'll work with them on lending that suits the structure.
: Often, yes. How it's structured matters. Peter will walk you through the options.
: Not because you use a broker. ASIC research found that borrowers who use a broker get the same rate as those who go directly to the lender (Report 516, 2017). Your rate depends on the lender, the loan and your circumstances, and we compare options from our panel of 70+ lenders so you can see more choices in one place.
: We don’t charge you a broker fee. Lenders pay us for arranging your loan, and using a broker doesn’t mean paying a higher rate. When we help with your home loan, the law requires us to act in your best interests and put your interests first if there’s ever a conflict. We’ll explain how we’re paid before you go ahead. Lender and other third-party fees may apply.
: No. We help clients Australia-wide by phone or video.

Investment Loan Broker in Melbourne

Where Are You in Your Portfolio?

First Investment

Growing a Portfolio

Using Equity

Trusts and Companies

What Lenders Look at for Investors

The Rule Every Investor Should Know

Have These Ready

From First Call to Funding

Book a 15-Minute Call

Explore Your Options

We Handle the Application

Investment Property Questions, Answered

Also on Your Radar?

Home Loans

Refinancing

Self-Employed

Business & Commercial

Ready for Your Next Chapter?