A different repayment structure for a different objective.
A different repayment structure for a different objective — with the end of the interest-only period understood from the outset.
A different repayment structure for a different objective — with the end of the interest-only period understood from the outset.
With an interest-only loan, repayments during the interest-only period generally cover interest rather than reducing the principal. Some property investors use this structure for cash-flow management.
Interest-only is not automatically better or worse than principal and interest. It depends on the objective — and the long-term structure should be understood before choosing it.
What to consider
- Interest cost over the loan life
- Loan term and repayment changes
- The end of the interest-only period
- Lender policy and eligibility
- How it fits the investment strategy
Things to weigh up
What happens when interest-only ends
Total interest over the loan life
Eligibility and lender policy
Property-led finance, structured around your goals.
Clear advice, from first conversation to settlement
Understand your position
We start with your goals and the numbers behind them, then explain the options in plain language.
Match the right structure
We consider suitable lending pathways and recommend a structure with the reasoning made clear.
Manage the process
We handle the application detail and keep you informed on what happens next through to settlement.
A simple process, even when the finance isn't
Talk to us
Tell us what you want to do and the basic numbers behind it.
Compare your options
We assess the scenario, structure and suitable lending pathways.
Apply with confidence
We prepare and manage the application, keeping it clear throughout.
Settle and review
We stay in touch and review your finance as your situation evolves.
Explore related investment options
Investment Loans
Investment lending differs from owner-occupied lending because lenders may consider rental income, investment expenses and the broader portfolio.
Learn moreUsing Equity to Invest
Property equity can sometimes help fund another purchase — but equity is not the same as cash, and the usable amount depends on several factors.
Learn moreInvestment Refinancing
As a portfolio grows, the original lending structure may no longer be appropriate — a review can reset it around your current position.
Learn moreCommon questions
Speak with a DVELOP broker for guidance tailored to your circumstances.
Discuss Interest-Only
Tell us what you’re looking to finance. We’ll start with the right questions and keep the process clear.