Finance for your next investment property.
Investment lending differs from owner-occupied lending because lenders may consider rental income, investment expenses and the broader portfolio.
Investment lending differs from owner-occupied lending because lenders may consider rental income, investment expenses and the broader portfolio.
Property investment finance should be considered as part of the wider investment strategy. The loan structure can affect cash flow, borrowing capacity, equity and future investment opportunities.
A loan that works for one property may not be the best structure for a growing portfolio, so it is worth thinking beyond the first property.
Factors lenders may consider
- Rental income
- Existing property debt
- Employment income and expenses
- LVR and property value
- Loan purpose and proposed repayments
- Overall servicing position
Think beyond the first property
As a portfolio grows, the way security and lending are structured becomes more important.
- Security structure and cross-collateralisation
- Available equity
- Servicing and lender concentration
- Future purchases
Things to weigh up
Loan structure and ownership considerations
Cash flow, buffers and holding costs
How the purchase fits your strategy (seek your own tax advice)
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
Using 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 moreInterest-Only Loans
A different repayment structure for a different objective — with the end of the interest-only period understood from the outset.
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 Your Investment
Tell us what you’re looking to finance. We’ll start with the right questions and keep the process clear.