Investment loans
Investment property loans that grow with your portfolio.
We structure investment lending to keep your options open, and work with your accountant and financial planner so the loan supports your long-term plan.
Investment loans in short
A residential investment loan funds a property you rent out. MKS Lending compares investor loans across 50+ lenders and structures them for flexibility, helping you use equity, choose between interest only and principal and interest, and plan for your next purchase.
How investment loans work
Lending built around your portfolio.
A residential investment loan is used to buy a property you intend to rent out, with the aim of earning rental income, long-term capital growth, or both. The property may be held by you, jointly with others, or in a company or trust structure.
Investment loans can be principal and interest or interest only, usually over 25 to 30 years. Interest on an investment loan may be tax deductible, so we work with your accountant to make sure the structure supports your tax and wealth strategy.
Structure matters
Set up today for your next property.
Avoid unnecessary cross-securing
Keeping each property separate gives you more flexibility when you sell or refinance.
Use offset accounts wisely
Offset on your home loan, interest only on the investment, where it suits your plan.
Plan your next purchase
We look at how this loan affects your borrowing power for property two, three and beyond.
Choose the right borrower
Personal, joint, company or trust ownership, discussed with your accountant.
How we help
From first investment to growing portfolio.
Strategy
We understand your goals and timeline, and talk to your accountant where needed.
Compare lenders
Investor rates and policies vary widely. We compare 50+ lenders.
Structure and apply
We set up the loan for flexibility and manage the application.
Review
We review regularly so the portfolio keeps working for you.
Talk to Kristian Said, Senior Mortgage Broker
MFAA-accredited and based in Moonee Ponds, Kristian helps first home buyers, upgraders, investors and people building their home find a loan that fits, and explains every step in plain English.
Client reviews
What our clients say.
I have used MKS Lending Group for both home loan financing and home loan refinancing. Kristian has been wonderful to work with, always answering any questions and providing advice anytime. I highly recommend MKS for any home loan needs.
I've used Kris for two loans now and both experiences have been great. He's easy to deal with, communicates really well, and clearly knows his stuff. Highly recommend.
MKS Lending Group have been more than amazing for us!! Kris always makes sure we understand what is going on, and simplifies things for us. He goes above and beyond to get us the right services. Would definitely recommend!
Free loan review
Talk about your investment plans
Tell us a little about your plans. A broker will call you, usually within one business day, to talk through your options. No cost and no obligation.
We listen first
A short chat about your goals, income and timing.
We compare 50+ lenders
30+ banks and 20+ private lenders, not just one bank's products.
You decide
We explain the options in plain English. There is no pressure to proceed.
Questions
Frequently asked questions
Should my investment loan be interest only?
Interest only can lower repayments and suit some investors' cash flow and tax plans, but you pay more interest over time and interest-only rates can be higher. We model both and you decide with your accountant.
Can I use equity in my home to buy an investment property?
Often, yes. Using equity can fund the deposit and costs. How we structure it matters, which is why we usually set up a separate loan rather than cross-securing properties.
Is investment loan interest tax deductible?
Interest on money borrowed to buy an income-producing property is generally deductible, but your situation matters. We are not tax advisers, so please confirm with your accountant.
How much can I borrow as an investor?
Lenders count part of your expected rent as income and apply their own buffers. Policies differ a lot between lenders, so comparing them can change your borrowing power.
Ready for a better home loan?
Book a free, no-obligation loan review. We compare the market and show you exactly what is possible.