Investment

Investment Loans Australia

Income-backed senior loans for stabilised investment assets

Best For

Residential, commercial, or industrial investment properties
Fully or materially tenanted assets
Borrowers seeking longer-term, interest-only funding

Key Features

Senior first mortgage positions on stabilised income-producing assets
Rental income or business cash flow serviceability
LVR typically up to 70-75% depending on asset quality
Suitable for residential, commercial, and mixed-use investment properties
Interest-only options available
Terms from 12 months to 5 years

Typical Structure

Senior first mortgage • Up to 75% LVR • Interest-only for up to 5 years • Loan sizes up to $10m

Predictable capital for stabilised, income-producing assets.

Eligibility Criteria

Property Type

Residential, Commercial, Industrial, Mixed-Use

LVR

Up to 70-75%

Minimum Loan

$500,000

Serviceability

Rental income or demonstrated cash flow

Location

Metro and major regional Australia

Indicative Fees

Establishment Fee

1.5-2.5%

Of loan amount, deducted at settlement

Interest Rate

8-12% p.a.

All-in rate, varies by LVR and security

Exit Fee

Nil

No early repayment penalty

Legal Costs

Borrower pays

Typically $2,500-$5,000

Indicative only. All pricing subject to credit assessment, security quality, and borrower profile.

Required Documents

Borrower ID (Passport/License)

For all directors/trustees

Entity Documentation

Trust deed, company extract, or SMSF deed

Income Evidence

Lease agreements, rent rolls, or financials

Valuation or Appraisal

Recent formal valuation preferred

Certificate of Title

Or contract of sale if purchasing

Existing Mortgage Statement

If refinancing

All applications subject to credit approval

Rates and fees may vary based on individual circumstances

Security valuation required prior to settlement

Frequently Asked Questions

What LVR can I get on an investment loan?

We typically offer up to 70-75% LVR on stabilised, income-producing assets. The exact LVR depends on the property type, location, and tenancy profile.

What properties are eligible?

Residential, commercial, industrial, and mixed-use investment properties with established rental income or demonstrated cash flow are eligible.

How long does approval take?

Most scenarios receive preliminary assessment within 24 hours. Full approval typically takes 5-10 business days subject to valuation and documentation.

Do I need to service the loan?

Interest-only options are available. Serviceability is assessed based on rental income or business cash flow from the property.

Investment Loans by Location

Find private lending services across Australia's major cities and suburbs.

Brisbane Sydney Melbourne All Locations

Ready to Get Started?

Submit your scenario and get a preliminary assessment within 24 hours.