Investment Loans

Finance That Builds Wealth, Not Just Debt

Whether you’re buying your first investment property or expanding a growing portfolio, the right finance structure is everything. At Haus of Loans, we work with property investors to turn equity into opportunity with smart strategies designed to optimise your returns, reduce tax, and improve cash flow.

What Makes Investor Lending Different?

Financing an investment property isn’t just about getting a loan approved it’s about choosing a structure that works for your long-term goals. We help you navigate:

  • Interest-only vs principal & interest repayments

  • Negative gearing and tax considerations

  • Cross-collateralisation and risk management

  • Cash flow planning for multiple properties

  • Equity release strategies for future purchases

Who We Work With

We support a wide range of investors, including:

  • First-time property investors

  • Experienced landlords looking to restructure

  • Dual-income professionals building a portfolio

  • SMSF property investors

  • Developers and buyers of dual-occupancy, duplex or off-the-plan builds

Why Structure Matters

The structure of your investment loan can impact:

  • Your borrowing power

  • How much tax you pay

  • Whether your strategy is scalable

  • Your long-term return on investment

We help you design a lending structure that supports both your property and your broader financial goals.

What You Can Expect

  • Over 70 lenders compared – including investor-friendly banks and non-bank lenders

  • Refinance & restructure support – for better rates or access to equity

  • Portfolio planning insights – to help you plan your next property step

  • Clear guidance, no jargon – we explain everything in plain terms

Investor FAQs

Q: Can I use equity in my current home to buy an investment?
A: Yes, this is one of the most common strategies. We’ll show you how to safely release equity without putting your home at unnecessary risk.

Q: Should I go interest-only or principal & interest?
A: It depends on your goals. Interest-only can improve short-term cash flow, but principal & interest builds equity. We help you weigh the options.

Q: What’s the best way to structure loans across multiple properties?
A: That depends on whether you want flexibility, asset separation, or risk minimisation. We tailor solutions based on your goals and exit strategy.

Q: Can I borrow more as an investor than an owner-occupier?
A: Often, no. Lenders assess investment loans more conservatively. But with the right lender and loan structure, you may be surprised what’s possible.

Ready to Think Like an Investor?

Smart property investors know the right loan strategy can make all the difference.

We’re here to help you borrow smarter, grow faster, and invest with clarity.

When you’re ready to grow, we’ll help you move strategically.