Home Home loans Investors
Investment property mortgage broker
Investing is as much about the loan structure as the property. We help you set up loans that leave room for your next purchase, compare lenders including non-bank options, and explain the trade-offs in plain English. You never pay us a fee.
Questions you might be asking
Should I buy a home or invest first?
It depends on where you want to live and what you can afford. We'll show you how each choice affects what you can borrow later.
How much rental income do I need?
Lenders count part of the expected rent, not all of it. We'll show you how different lenders treat rental income.
Interest only or principal and interest?
Interest only lowers repayments for a set period but doesn't reduce the debt. We'll compare both so you can see the cost over time.
Should I buy in my own name, a trust or a company?
That's a tax and legal decision, so we work alongside your accountant or solicitor. Once you've decided, we find lenders that suit the structure.
Can I use equity from my home?
Often, yes. Equity can cover the deposit and costs, so you may not need to use cash.
Can I buy more than one property?
We plan each loan with the next one in mind, so one purchase doesn't block the following one.
Ways to approach investing
Use equity for the deposit
Release equity from your home to fund the deposit and costs of an investment.
Plan the portfolio, not just one loan
Choose lenders and structures that leave room for your next purchase.
Keep each loan separate
Keeping each property's loan separate, rather than cross-securing them, can make it easier to sell or refinance one later.
Loan options we can look at
Every option depends on your situation and each lender's criteria. We'll tell you which ones fit before you apply.
Investment loans
Loans for buying a property to rent out, from banks and non-banks on our panel.
Interest-only loans
Lower repayments for a set period, with the trade-off that the debt isn't reducing.
Equity release
Use equity in your home or another property towards your next purchase.
Offset and split loans
Split a loan between fixed and variable, and use an offset account to reduce interest.
Loans for trusts and companies
Some lenders on our panel lend to trusts and companies. Your accountant advises on the structure.
Non-bank lenders
Non-bank lenders can be more flexible with self-employed income and more complex situations.
How it works
- Step 1
Talk it through
A free, no obligation chat about where you are and what you want to do.
- Step 2
Compare the options
We compare lenders across our panel and explain each option in plain English.
- Step 3
Apply
We prepare and lodge your application and keep you updated at every stage.
- Step 4
Settle
We stay with you through to settlement day.
Common questions
Does it cost anything to use Vitara Finance?
No. Vitara Finance doesn't charge clients a fee. Lenders pay us a commission when a loan settles, and we'll give you the details before you commit to anything.
How much deposit do I need for an investment property?
Often 10% to 20% of the price plus costs, though equity in your home can be used instead of cash. First home buyer schemes don't apply to investment purchases.
This is general information only and doesn't take your objectives, financial situation or needs into account. Lending criteria, fees and charges apply. Vitara Finance Pty Ltd, ABN 67 912 182 576. Credit Representative 580892 is authorised under Connective Credit Services Pty Ltd, Australian Credit Licence 389328.
Privacy Policy