Investment Loans
Finance structured for portfolio growth.
Whether this is your first investment property or your fifth, the right structure now affects what you can do next. We help you plan for that.
Lending
An investment loan is not just a bigger home loan.
How you structure an investment loan affects tax outcomes, future borrowing capacity, and flexibility down the track. Cross collateralisation, loan structure and equity access all matter more as a portfolio grows, and the right approach depends on your specific goals.
We work with first time investors and established portfolio holders alike, focusing on structures that support what you want to do next, not just the property in front of you.
Why Finstac
What you get working with us.
Structured for growth
We consider your next move, not just this purchase, when recommending a structure.
Equity strategy
Guidance on using equity in existing properties to fund further purchases where appropriate.
Lender policy knowledge
Investment lending policy varies significantly between lenders. We know which lenders suit which strategies.
How it works
A clear process, from first conversation to settlement.
- 01
Portfolio review
We look at your existing position, including any current properties and lending.
- 02
Strategy and structure
We recommend a structure based on your goals, not just the immediate purchase.
- 03
Lender selection
We match your scenario to lenders with investment policies suited to your strategy.
- 04
Settlement and beyond
We support you through settlement and remain available as your portfolio develops.
Common questions
Common questions.
Not always. Cross collateralising properties with one lender can limit flexibility later. In many cases, spreading lending across separate lenders preserves more options as a portfolio grows, though the right approach depends on your situation.
Often, yes, depending on how much equity is available and the relevant lender's policies. We can assess this as part of an initial conversation.
Interest only repayments cover only the interest for a set period, which can support cash flow for some investors. Whether it suits your situation depends on your broader financial position and goals, which we would discuss directly.
Most lenders require a deposit or equivalent equity, with specific requirements varying by lender. We can talk through what is realistic based on your current position.
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