Investment loans built around your property plans
An investment property is a long-term strategy as much as a purchase. We structure your loan around cash flow, equity and future growth, then find a lender whose policy suits the way you want to invest.
- Interest-only and principal and interest options
- Use the equity in your existing home
- Structures that keep your next purchase possible
Loans set up for investors
The right structure matters as much as the rate. We look at how each loan will work alongside your other properties, your income and your plans for the next purchase.
Borrow using equity
Use the equity you have built in your home as a deposit, rather than waiting to save cash.
Interest-only repayments
Lower repayments in the early years can help cash flow while rent covers more of the costs.
Smart loan structuring
Separate loan splits and careful security arrangements help keep your options open as your portfolio grows.
Fixed, variable or split
Lock in part of the loan for certainty and keep the rest flexible.
Offset accounts
Keep your savings working against your loan balance while staying accessible.
Lender comparison
Investor policies vary a lot between lenders. We compare them so you do not have to.
Who we help
From a first investment to a growing portfolio, these are the investors we work with most.
- First-time investors buying their first rental property
- Homeowners ready to use their equity
- Investors growing a multi-property portfolio
- Self-employed investors who need flexible lender policies
- Borrowers with a deposit or usable equity, generally 10% to 20%
How it works
- We talk through your investment goals and borrowing capacity
- We review your equity, deposit and existing loans
- We compare lenders and recommend a loan structure
- Pre-approval so you can buy with confidence
- Settlement, plus regular reviews as your portfolio grows
We work alongside your accountant on tax matters. All loans are subject to lender approval, terms and conditions.
Common questions
Common questions from property investors. Call us to talk through your own situation.
Can I use the equity in my home to buy an investment property?
Often, yes. Lenders typically let you borrow against your home up to 80% of its value, less what you still owe. That usable equity can cover the deposit and purchase costs for an investment property.
Should I choose interest-only or principal and interest?
Interest-only repayments are lower in the early years, which can help cash flow. Principal and interest repayments build equity faster and usually attract a lower rate. The right choice depends on your goals and your other debts.
Is the interest on an investment loan tax-deductible?
Interest on money borrowed to buy an income-producing property is generally tax-deductible. Your accountant can confirm how this applies to you.
How much deposit do I need for an investment property?
Most lenders look for 10% to 20% of the purchase price, plus costs such as stamp duty. You can use cash savings, equity in an existing property, or a mix of both.
Planning your next investment?
Tell us what you are looking to buy and a ProNest Finance broker will get back to you to talk through your borrowing options.
- +61 3 7082 8988
- help@pronestfinance.com.au
- 14 Frodo Circuit, Clyde, VIC 3978
- Mon - Fri 9.00 AM to 5.00 PM
