Investment property loans
Use your equity, compare investment loan rates across 35+ lenders, and structure your loan the right way. Your Sydney investment property mortgage broker, helping you buy anywhere in Australia.
We compare investment rates across 35+ lenders, work out what you can borrow, and structure the loan to fit your plans. Our service costs you $0, and we help Sydney clients buy anywhere in Australia.
You may not need a cash deposit at all. If you own your home, your equity can cover it. We work out what you can access and get you pre-approved.
Negative gearing and capital gains tax are both being reformed, and the detail matters when choosing what to buy. We cover that below, and your accountant can confirm your position.
Most lenders want a 20% deposit to avoid LMI, though you can use your home equity instead of cash. Here is a guide to the deposit and stamp duty at different price points in NSW.
| Purchase price | 20% deposit | Stamp duty | Deposit + duty |
|---|---|---|---|
| $600,000 | $120,000 | $21,187 | $141,187 |
| $700,000 | $140,000 | $25,687 | $165,687 |
| $800,000 | $160,000 | $30,187 | $190,187 |
| $900,000 | $180,000 | $34,687 | $214,687 |
| $1,000,000 | $200,000 | $39,187 | $239,187 |
| $1,200,000 | $240,000 | $48,187 | $288,187 |
| $1,500,000 | $300,000 | $63,787 | $363,787 |
Based on current NSW transfer duty rates for investors, where first home concessions do not apply. Legal, inspection and lender costs are on top. You can use equity instead of a cash deposit. Use our property deposit calculator or book a free consultation.
It comes down to your income, your debts, and the rent the property will earn. Most lenders count 70% to 80% of market rent, and every lender does the sums differently, so the gap between them can be wide.
Lenders also test you above the actual rate. Some apply that buffer more generously than others, and knowing which read investors well is a big part of what we do.
Investors pay full stamp duty, since first home concessions do not apply. The upside is your equity can usually cover the deposit and the costs, so your savings stay put.
Every investor is different. Here are the paths our clients use most.
The rules shifted in 2026. Here is a plain-English summary. It is general information, so please confirm the detail with your accountant.
From 1 July 2027, negative gearing against your salary or other income ends for established homes bought after 12 May 2026. New builds stay exempt and keep the benefit, and if you already held a property before 12 May 2026 you are grandfathered under the old rules. Losses on affected properties can still be carried forward against future rental income or rental capital gains.
The 50% CGT discount is being replaced from 1 July 2027 with a system that indexes your cost base for inflation and applies a 30% minimum tax on the gain. Gains up to 1 July 2027 keep the old 50% discount. Your main residence stays exempt, and commercial property and shares are not affected.
These are big changes, and how they land depends on your situation, in particular whether you are buying a new build or an established home. We structure your loan around them and work in with your accountant on the tax side.
Our founder spent 8+ years inside a major bank. He knows which lenders read investors best.
Real answers to the questions property investors ask us every day.
We compare 35+ lenders, structure your loan the right way, and maximise your borrowing power. $0 cost to you.
MFAA member. 10+ years lending experience.
Explore the guides and services property investors use most.
Investment property mortgage broker in Sydney helping investors across 220+ suburbs buy anywhere in Australia. Meet our team. Service regions: Sydney CBD, Sydney Central, Eastern Suburbs, Northern Beaches, North Shore, Inner West, Sutherland Shire, Hills District, St George, Canterbury-Bankstown, Western Sydney, Penrith.
