Investment Property Loans
Understand the financing and repayment commitments behind your next investment property.
Request a free consultationPut the borrowing decision in context
Bradley helps you compare loan options for a proposed investment and consider how repayments fit with your household commitments. Bring your property plan and questions from your accountant so the lending discussion supports the decisions you need to make.
- Repayment structure: Compare principal and interest with interest-only repayments, including what happens when an interest-only period ends.
- A realistic budget: Allow for vacancy, repairs, insurance, rates and other holding costs. Rent and property values are not guaranteed.
- Your existing borrowing: Discuss available savings, current loans and proposed security before deciding how to fund a deposit.
How we can help
- Describe the property and the borrowing commitments you are comfortable taking on.
- Review repayment scenarios and lending options, with separate accounting or legal advice where needed.
- Choose whether to apply once the proposed structure and costs are clear.
Plan for the end of interest-only repayments
During an interest-only period, scheduled repayments do not reduce the amount borrowed. When principal repayments start, the debt must usually be repaid over the remaining term, so payments increase. Ask for both repayment amounts and the total cost before choosing this structure. ASIC Moneysmart explains interest-only loans.
Using equity still means taking on debt
Equity is the difference between a property’s value and the amount owed. The amount you can borrow against it depends on the lender’s valuation and lending assessment; it is not automatically available cash. Ask which properties secure each loan and what would be needed to release a property on sale. Westpac explains using equity for an investment purchase.
Check tax assumptions before committing
Mortgage structure and tax treatment need separate review. In particular, do not assume a loan secured against an investment property makes all interest deductible. Redrawing for a private expense can change the tax treatment of that borrowing. Read our offset and redraw guide and take the proposed structure to your registered tax agent.
There are also legislated changes to property tax arrangements from 1 July 2027. Acquisition timing and whether a dwelling qualifies as a new build matter. Our investment guide explains the current reform status and where to check details.
Common questions
Does the repayment calculator include all investment costs?
No. It estimates loan repayments. Add rental income, vacancy, maintenance, taxes, insurance and other property costs separately.
Can you advise on tax deductions or which property to buy?
Our service covers mortgage guidance. Ask a registered tax agent about tax treatment and an appropriately qualified adviser about investment suitability.
What costs should I allow for besides the loan?
Include vacancy, repairs, insurance, council and water charges, property management, body corporate charges where relevant, and any land tax. Purchase and eventual sale costs need a separate allowance. Start with a budget before tax benefits and ask your tax agent to check the after-tax position.
Read our investment property planning guide · Explore calculator estimates
Further reading
Information updated 9 September 2026. Eligibility and lender policies can change. The linked sources explain the relevant criteria; they are not a confirmation of your eligibility or our lender access.
Discuss your next step
Tell Bradley about your plans and the questions you would like to cover. We will respond to arrange a conversation.
Request a free consultation