Investment loans
Investment Loans
Build a property portfolio with the right loan structure.
Investment lending has different rules, rates and structures to owner-occupier loans. We help you structure borrowing to suit your strategy and compare lenders who understand investors.
Who it's for
- First-time and experienced property investors
- Owner-occupiers thinking about their first investment property
- Investors reviewing the structure of existing loans
How Rejoice helps
- Talk through loan structure, including interest-only and offset options
- Compare investment rates and policies across our panel
- Factor in rental income and your broader position
- Coordinate with your accountant where helpful (we are brokers, not tax advisers)
The process
How investment loans work with us
- 1
Strategy chat
We discuss your goals and how the loan needs to be structured.
- 2
Compare lenders
We compare investor-friendly loans and policies on our panel.
- 3
Application
We prepare and lodge the application with the right lender.
- 4
Settle & review
We settle the loan and review your structure as your portfolio grows.
Good to know
Investment Loans — common questions
What's the difference between an investment and an owner-occupier loan?
Investment loans are for properties you rent out rather than live in. They often carry slightly different interest rates and lender policies, and the repayment structure (such as interest-only) may differ. Rental income is usually considered in the assessment.
Is interest-only right for an investment loan?
Interest-only can suit some investment strategies by keeping repayments lower for a period, but it means you're not reducing the loan balance during that time and costs more over the life of the loan. We'll explain the trade-offs — and we're not tax advisers, so we'll suggest you confirm tax matters with your accountant.
Can I use equity in my home to invest?
Many investors use equity in their existing property as a deposit for an investment loan, subject to the lender's assessment. We can model how that might work for you.
Explore
Other ways we can help
Ready to see what's possible?
Start your enquiry online or book a chat. It's free, friendly and there's no obligation.