Investment Property Loans | MoneyGenie Finance

Build Wealth Through Property

Investment Property Finance

Property investment is one of Australia's most popular long-term wealth strategies. The right loan structure can make a significant difference to your cash flow, tax position, and overall investment returns. At MoneyGenie Finance, we work with both first-time investors and experienced property owners with multiple properties to find loan structures that genuinely match their investment strategy.

Investment Loan Options

Different investment strategies suit different loan structures. We help you identify the most appropriate option for your goals.

Interest-Only Loans

Pay only the interest component for a set term (typically 1–5 years for investors). Lower initial repayments help maximise cash flow. Popular for negative gearing strategies as all interest is typically tax-deductible against rental income.

Principal & Interest Loans

Build equity in your investment property faster with P&I repayments. Many lenders offer lower interest rates on P&I investment loans compared to interest-only. Suitable when long-term equity growth is the primary objective.

Line of Credit

Draw on the equity in your home or existing investment property to fund deposits on further properties. A flexible, revolving credit facility that lets you access equity as needed without refinancing each time.

Fixed Rate Investment Loans

Lock in your rate for certainty in cash flow forecasting. Particularly useful when managing a portfolio of multiple properties, allowing you to budget confidently with known repayment amounts.

Key Considerations for Investors

What Lenders Look At

Rental income: Most lenders count 70–80% of the expected rental income towards your serviceability
Loan-to-value ratio (LVR): Most lenders prefer up to 80% LVR for investment loans. Higher LVR attracts LMI.
Serviceability: Your ability to service all existing and proposed debts using your total income
Property type: Lenders assess location, property type (house vs unit), and postcode risk
Existing portfolio: Multiple investment properties can affect how lenders assess your overall risk

Tax Considerations (Speak to Your Accountant)

Negative gearing: When rental income is less than your loan interest and expenses, the shortfall may be tax-deductible against your other income
Positive gearing: When rental income exceeds expenses, you have positive cash flow but the profit is taxable
Depreciation: New properties often allow significant depreciation deductions — get a depreciation schedule prepared
Capital Gains Tax (CGT): The 50% CGT discount applies if you hold the property for more than 12 months before selling

* Always consult a qualified accountant or tax adviser for advice specific to your circumstances. This information is general in nature.

Investment Lending & APRA Requirements

Since APRA's investor lending restrictions, many lenders apply stricter serviceability criteria and higher interest rates for investment loans compared to owner-occupier loans. The gap between owner-occupier and investor rates can be 0.3%–0.8% depending on the lender.

Our job is to navigate these policies across 30+ lenders and find you the most competitive investment loan structure for your specific strategy — whether that is maximising cash flow, building equity, or growing your portfolio as quickly as possible.

Our Approach to Investment Finance

Whether you are buying your first investment property or adding to an existing portfolio, we structure your finance to support your long-term goals.

1

Assess Your Position

We review your current financial position — including equity in existing properties, borrowing capacity across all existing loans, income, and investment goals.

2

Structure the Loan

We identify the optimal loan structure — interest-only vs P&I, offset account, correct split between fixed and variable, and which lenders offer the best investment loan rates for your scenario.

3

Review & Grow

We recommend reviewing your entire portfolio every 12–24 months to ensure you are still on competitive rates, your loan structures remain optimal, and your next property acquisition is well-planned.