Investment Property Loans Perth
Building a property portfolio requires the right lending strategy. Perth Home Loan Broker connects property investors with specialist brokers who understand investment lending across 100+ lenders.
Investment Loan Considerations
Investment property lending differs from owner-occupied loans in several ways:
Interest Rates
Investment loans typically attract slightly higher interest rates than owner-occupied loans. However, a broker can help you:
- Compare rates across 100+ lenders
- Find lenders with competitive investor rates
- Structure loans to minimise overall costs
Loan Features
Investment-focused loan features include:
- Interest-only periods - Maximise cash flow by paying interest only for a period
- Offset accounts - Reduce interest while maintaining liquidity
- Line of credit - Access equity for deposits on future purchases
- Fixed rate options - Lock in rates for budgeting certainty
Tax Considerations
Investment loan interest is generally tax-deductible. Your broker can help you structure loans appropriately, though you should consult your accountant for tax advice.
Investment Lending Strategies
Common approaches for Perth property investors:
Equity Access
Use equity in existing properties for deposits on new purchases:
- No need to save cash deposits
- Maintain existing loan structures
- Access funds quickly for opportunities
Portfolio Lending
As your portfolio grows, lending becomes more complex:
- Multiple lender strategies to manage exposure
- Serviceability calculations across properties
- Cash flow management across the portfolio
Cash Flow Positive Targeting
Some investors focus on properties that generate positive cash flow from day one:
- Higher rental yields offset loan costs
- Regional properties may offer better yields
- Broker can model scenarios for you
Perth Investment Property Market
Perth offers opportunities for property investors:
- Rental yields - Generally higher than eastern states
- Growth potential - Market cycles different to Sydney/Melbourne
- Affordability - Entry points more accessible than east coast
Connect with an Investment Lending Specialist
Tell us about your investment goals and we’ll connect you with a broker experienced in property investor lending. They can help you assess options and structure your loans appropriately.
Call: 08 5122 5626 Email: loans@perthhomeloanbroker.com.au
