Investment Loans

Investment Property Loans Melbourne — Competitive Rates from 60+ Lenders

Finseek helps Melbourne property investors find the right loan structure and competitive rates from over 60 lenders. Whether it's your first investment property or you're expanding your portfolio.

Book Free Consultation Call 0411 089 384
Investment property loans in Australia typically require a minimum 10% deposit (though 20% is common to avoid LMI). Interest rates for investment loans are usually slightly higher than owner-occupier rates. A mortgage broker compares options from 60+ lenders to find competitive investor rates suited to your situation — at no cost to you.

Investment Lending for Melbourne Property Investors

Choosing the right loan product and structure matters for property investors. We source competitive options from over 60 lenders and help you understand the lending landscape so you can make informed decisions. We recommend you consult your accountant or financial adviser for any tax or investment strategy guidance.

Using Equity to Buy an Investment Property

If you own a home or another property with equity, you may be able to use that equity as a deposit for an investment purchase — potentially meaning you don't need to save a separate cash deposit. We can help you understand how much usable equity you have by comparing your property value against your current loan balance.

Important Information

We do not provide financial, tax, or investment advice — we provide credit assistance only. We recommend you seek independent professional advice from a qualified financial adviser and/or accountant before making any investment decisions. Lending criteria, interest rates, and features vary by lender.

Frequently Asked Questions

How much deposit do I need for an investment property in Melbourne?
Most lenders require at least 10% deposit for an investment property, though 20% is often recommended to avoid Lenders Mortgage Insurance (LMI) and access better rates. Using equity from an existing property may reduce or eliminate the need for a cash deposit.
Can I use equity in my home to buy an investment property?
Yes. If your current property has increased in value or you've paid down your mortgage, you may have usable equity that can serve as a deposit for an investment purchase. We can help you understand how much equity may be available based on your current loan balance and estimated property value.
What is the difference between interest-only and principal-and-interest for investors?
With interest-only, you pay only the interest for a set period (usually 1 to 5 years), which means lower repayments during that time. With principal-and-interest, you pay down the loan balance from day one. Each has different implications — we recommend discussing the right approach with your financial adviser.
How do lenders assess investment loan applications?
Lenders look at your income, existing debts, expenses, the rental income the property is expected to generate, and your overall financial position. Different lenders assess these factors differently, which is why comparing options across 60+ lenders can make a significant difference.
Can I refinance to buy an investment property?
Yes. Refinancing your current home loan can sometimes allow you to access equity, reduce your rate, or restructure your lending to support an investment purchase. We can assess your options during a free consultation.

Related Pages

Home Loans Melbourne First Home Buyer Loans Commercial Loans Book a Strategy Consultation

Ready to Get Started?

Book a free 30-minute consultation with Jenny. No obligation, no cost — just honest guidance from a Melbourne mortgage broker with 15+ years of experience.

Book Your Free Consultation