Investment Property Loans
With hundreds of investment property loans available from our extensive panel of lenders, we’ll help you secure a loan that supports your wealth-creation strategy.
Unlike most mortgage brokers, Melbourne Mortgage Advice brings over 30 years of property market experience. As long-term property professionals, we provide high-value guidance that extends beyond finance.
Understanding The Market
The Australian property market has shown resilience over the last decade, making it an attractive avenue for building wealth. With strong potential for returns, property investing can be a powerful pathway to financial freedom.
Whether you’re a first-time investor or seasoned buyer, we:
- Assess your borrowing capacity and structure loans to maximise benefits.
- Work alongside accountants and financial planners to align your strategy.
- Provide property research to refine your search, saving you time and money.
Our experience with hundreds of investors ensures you receive practical advice on balancing cashflow and growth, managing risks, and structuring finance effectively.
Frequently Asked Questions
- Positive gearing: Rental income exceeds expenses → positive cash flow.
- Negative gearing: Expenses exceed rental income → potential tax benefits.
- Neutral gearing: Rental income equals expenses.
Why is Negative Gearing Popular?
The main advantage is the ability to offset losses against other income, reducing taxable income. For tax advice, always consult an accountant—we can connect you with trusted professionals.
You can manage your property yourself or hire a property manager.
- Self-management: No fees, but full responsibility for compliance, tenants, and maintenance.
- Property manager: Fees are generally tax deductible; they handle tenants, rent collection, inspections, and repairs.
Ongoing expenses can impact your net return.
Key costs include:
- Council and government taxes
- Body corporate (strata) fees
- Compliance and safety obligations
- Property management fees (7–10% of rent)
- Repairs and maintenance
Some are tax deductible, but not all. Planning ahead ensures your budget and cashflow stay healthy.
Tips for Future Investors
Building a property portfolio takes time, planning and discipline. Here are some strategies to help you move from one investment to many:
Equity is the difference between the value of your property and what you owe on it. By refinancing, you can access this equity to fund the deposit for your next purchase. This strategy allows your existing property to help finance your future investments, accelerating your portfolio growth.
An offset account reduces the interest you pay on your loan, while still giving you access to your funds. By depositing your salary and savings into this account, you can lower your loan balance and save thousands in interest over time. These savings can then be redirected towards your next deposit.
Tax refunds, bonuses, or inheritance payments can be powerful tools when building your investment portfolio. Instead of spending these lump sums, direct them towards your loan or deposit savings to fast-track your next purchase.
Set up a dedicated savings account and make consistent contributions. Even small amounts add up, and a proven savings history strengthens your finance application with lenders. Consistency shows discipline and makes you a more attractive borrower.
If you’re on a variable rate loan and rates decrease, continue paying your original repayment amount. The extra payments reduce your principal faster and can build equity sooner, which can then be used for another investment.
The property and finance markets are always changing. Interest rates, loan products and government regulations can impact your investment strategy. Stay informed, review your mortgage annually, and explore whether refinancing or restructuring could put you in a stronger position. We can guide you through this process to ensure your investments continue to work in your favour.
Why Choose Melbourne Mortgage Advice?
We act as your investment finance specialists, working with lenders, conveyancers, and agents to ensure your investment journey runs smoothly.
- Over 30 years of property and finance expertise
- Strategic loan structuring to maximise benefits
- A dedicated partner for every stage of your portfolio growth
Download our Property Investment Guide below for a detailed overview of the investment process and financing strategies.
Property Investment Guide
Property Investment Guide (pdf)
Download
Take the Stress Out of Your Mortgage Journey
With Melbourne Mortgage Advice, you get personalised mortgage solutions and expert guidance on land, home, and building loans. Start your journey today!
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