H1

Home Loans for Property Investors

H2

Strategic finance to grow your wealth through property

Investing in property is one of the most powerful ways to build long-term wealth and financial security. But smart investing requires more than simply securing a loan — it requires a lending strategy that supports your cash flow, minimises risk, and positions you for future growth.

At My Finance Consultants, we specialise in helping investors buy their first investment property, expand existing portfolios, and restructure lending to unlock further opportunity. Whether your goals are capital growth, positive cash flow, or portfolio expansion, we tailor your finance strategy around your objectives.

We compare 40+ lenders — including major banks and non-banks — to provide lending options that offer stronger borrowing power, more flexibility, and investment-friendly features.

CTA: Book Consultation

H2

Expert lending support for investors

We assist with:

  • Determining your borrowing capacity

  • Maximising your borrowing power across multiple lenders

  • Using equity to fund deposit and purchase costs

  • Managing Lenders Mortgage Insurance (LMI) strategically

  • Choosing loan structures that support cash flow and tax outcomes

  • Selecting fixed, variable, or mixed rate strategies

  • Ongoing review and optimisation as your portfolio expands

Investing is not one-size-fits-all — your cash flow, tax strategy, goals, and risk profile drive our lending recommendations.

H2

Free upfront property valuations

We provide complimentary upfront valuations for most clients.
These can:

  • Save you hundreds in valuation fees

  • Speed up approvals

  • Help you work out how much equity you can release

  • Support fast decision-making during negotiations

This is especially valuable when planning multiple purchases or refinancing for equity release.

H2

Structuring your investment loan the right way

Correct loan structuring helps you:

  • Reduce tax complexity

  • Separate investment and personal debts

  • Protect future borrowing power

  • Avoid cross-collateralisation

  • Keep your accountant very happy

We ensure each property is financed independently where possible, giving you greater control and flexibility.

H2

Unlocking your equity

Many homeowners can invest sooner than they think.
If you have equity in your current home, you may be able to:

  • Borrow your entire investment property deposit, and

  • Cover stamp duty + purchasing costs, without needing savings.

This can allow you to borrow up to 100% of the purchase price, subject to lender policy and affordability.

Use our tools to explore your numbers:

  • Borrowing Power Calculator

  • Mortgage Repayment Calculator

H2

Self-Managed Super Fund (SMSF) Property Loans

Using your SMSF to buy an investment property requires compliance with strict rules — but it can offer tax advantages and long-term wealth growth.

We work collaboratively with:

  • Your accountant

  • Your financial adviser

  • Your solicitor

…to ensure structure, compliance, and lending are aligned.

H2

Key considerations before investing

Before purchasing an investment property, consider:

  • Your long-term investment strategy

  • Whether you are aiming for positive cash flow or capital growth

  • Tax implications such as negative gearing

  • Whether to buy personally, jointly, or via a trust / company

  • Accurate recordkeeping for income, interest, and expenses

We help you understand how these factors impact lending and overall financial performance.

H2

FAQs

H3 How do I know if property investing is right for me?
It’s suitable for borrowers with surplus income, available equity or savings, and a long-term mindset.

H3 Can you help me plan multiple property purchases?
Yes — we model borrowing capacity across lenders and map a multi-property lending strategy.

H3 What LVR should I aim for as an investor?
We generally recommend up to 80% LVR, unless strategic LMI use or rapid acquisition makes >80% acceptable.

H3 Can I use equity from my home to invest?
Yes — if you can afford the repayments, equity can fund deposits and costs.

H3 Do I need a pre-approval?
Yes — especially if working with a buyer’s agent or planning to bid at auction.

H2

Ready to build your property portfolio?

We’ll help you understand your numbers, map out a lending strategy, and secure finance that supports your long-term goals.

CTA Buttons

  • Book Your Consultation

  • Calculate My Borrowing Power