Purchasing an investment property or reviewing an existing loan? FI Collective helps you explore finance options with your broader lending position in mind.
An investment loan needs to be considered alongside existing debts, expected rental income and ongoing expenses. We help you understand your borrowing position and compare suitable lending options from our panel.
We’ll explain relevant loan features and repayment structures so you can make an informed decision. Your accountant or financial adviser should assess the taxation and investment implications for your circumstances.
Review your existing lending and potential borrowing capacity
Compare suitable options for purchasing or refinancing.
Coordinate the finance application with the professionals involved.
An investment loan needs to fit your broader financial commitments as well as the property you’re purchasing. Expected rent is only part of the picture, so it’s important to consider how you would manage repayments during vacancies or unexpected repairs.
Loan features, fees and repayment arrangements can affect your cash flow. Allowing for changes in interest rates and ongoing property expenses can help you assess whether the proposed borrowing is manageable.
FI Collective helps you explore suitable lending options through our lender panel and understand the application requirements. For advice on tax treatment or ownership structures, speak with your accountant or legal adviser before committing.
Yes, using available equity is one of the most common ways Australians fund an investment purchase. The lender will value your existing property and assess whether your income supports the additional repayments, since equity on its own does not establish borrowing capacity. We will show you what your equity could make possible.
It depends on your strategy. Interest-only repayments improve short-term cash flow, which suits some investors, but the balance does not reduce and repayments step up once the period ends. We will compare investment property loan rates and structures with you, and your accountant can advise on the tax treatment.
Lenders may include a portion of the property’s expected rental income when assessing your application. They may request evidence such as a rental appraisal or an existing lease. The amount accepted varies between lenders, and they will also consider your other income, expenses and debts when assessing whether you can afford the loan.
Allow for costs such as council and water rates, insurance, property management fees, maintenance and any strata levies. Land tax may also apply, depending on your circumstances. Rental income may not cover every expense, so it’s worth keeping funds available for vacancies, unexpected repairs and other shortfalls.
Not sure where to start? Tell us what you’re planning, and our team will help you understand your finance options and what comes next.
