Investment Property Loans Perth
Whether it's your first investment property or your tenth, loan structure matters. We help you understand the options and work alongside your accountant to find a structure that suits your strategy.
Portfolio structuring
Split loans, offsets, and interest-only options to maximise deductibility.
Competitive investor rates
a wide lender panel means we find rates most retail borrowers never see.
Tax-smart lending
We work alongside your accountant to structure loans for tax efficiency.
Interest-only vs principal-and-interest
For investors, interest-only loans free up cash flow and maximise tax deductions. We'll model both options so you know the true cost and benefit.
Using equity to buy the next one
Tapping equity in your home or existing investment is often cheaper than a cash deposit. We structure the release correctly to keep your personal and investment debts separate.
Offset vs redraw
Most investors should use an offset account instead of redraw — the tax consequences are very different. We'll explain why.
FAQs
Can I borrow against my home to buy an investment?
Yes — we release equity as a separate loan split so interest is fully tax deductible.
What rates can investors get?
Investor rates sit slightly above owner-occupier rates but we regularly place clients well below the banks' advertised rates.
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Ready to talk about your next home loan?
Free, no-obligation chat with Hoshang. We'll map out your options in 20 minutes.