Solutions / Investment
Investment Loans Australia
Income-backed senior loans for stabilised investment assets
Overview
Predictable capital for stabilised, income-producing assets.
Senior first mortgage positions on income-producing residential, commercial, and industrial investment properties. Designed for borrowers seeking predictable, interest-only capital backed by rental income or demonstrated cash flow.
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
Parameters
Eligibility criteria
Property Type
Residential, Commercial, Industrial, Mixed-Use
LVR
Up to 70-75%
Minimum Loan
$500,000
Maximum Loan
$10,000,000
Serviceability
Rental income or demonstrated cash flow
Location
Metro and major regional Australia
Pricing
Indicative fees
Indicative only. All pricing is set by the lender and subject to credit assessment, security quality, and borrower profile.
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
Checklist
Required documents
01
Borrower ID (Passport/License)
For all directors/trustees
02
Entity Documentation
Trust deed, company extract, or SMSF deed
03
Income Evidence
Lease agreements, rent rolls, or financials
04
Valuation or Appraisal
Recent formal valuation preferred
05
Certificate of Title
Or contract of sale if purchasing
06
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.
What LVR can I get on an investment loan?
Funding partners typically consider up to 70-75% LVR on stabilised, income-producing assets. The exact LVR depends on the property type, location, tenancy profile, and lender assessment.
What properties are eligible?
Residential, commercial, industrial, and mixed-use investment properties with established rental income or demonstrated cash flow are typically considered by our funding partners.
How long does approval take?
Most scenarios receive a preliminary assessment within 24 hours. Funding partner approval typically takes 5-10 business days subject to valuation and documentation.
Do I need to service the loan?
Interest-only options are commonly available across our funding partners. Serviceability is assessed by the funding partner based on rental income or business cash flow from the property.
Coverage
Investment Loans by Location
Find private lending services across Australia's major cities and suburbs.
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Have a scenario that fits? Let's look at it.
Submit your scenario and get a preliminary assessment within 24 hours.