Buying an Investment Property
Purchasing an
Investment Property.
Build Wealth Through Smart Property Investment – Let Our Brokers Guide You.
Buying an investment property is one of the most powerful ways to grow your long-term wealth in Australia. Whether you’re a first-time investor or looking to expand your portfolio,
our team of experienced mortgage brokers at Home Loan Club can help you find the best loan structure and lender to suit your goals.
Talk to our brokers today to explore your options and take the next step in your investment journey.
Purchasing an Investment Property.
Build Wealth Through Smart Property Investment – Let Our Brokers Guide You.
Buying an investment property is one of the most powerful ways to grow your long-term wealth in Australia. Whether you’re a first-time investor or looking to expand your portfolio,
our team of experienced mortgage brokers at Home Loan Club can help you find the best loan structure and lender to suit your goals.
Talk to our brokers today to explore your options and take the next step in your investment journey.
Our 3-Step Process Makes Securing an Investment Property Loan Easy.
Tell Us What You're Looking For
Share a few quick details—such as the type of investment, your goals, and your financial position.
We Connect You With The Right Broker
We match you with an experienced broker who specialises in investment lending.
You Get Tailored Investment Loan Options
Your broker compares suitable loan products and works with you to secure approval.
No upfront commitment. Just expert guidance.
Our 3-Step Process Makes Securing an Investment Property Loan Easy.
Tell Us What You're Looking For
Share a few quick details—such as the type of investment, your goals, and your financial position.
We Connect You With The Right Broker
We match you with an experienced broker who specialises in investment lending.
You Get Tailored Investment Loan Options
Your broker compares suitable loan products and works with you to secure approval.
No upfront commitment. Just expert guidance.
Why Invest in Property?
Australians have long turned to property as a stable, long-term investment. Here’s why:
Consistent rental income potential
Tax benefits like negative gearing and depreciation.
Possibility for capital growth over time.
A tangible asset that builds financial security.
Whether you’re investing for retirement, wealth creation, or passive income, our brokers can structure a loan to support your strategy.
Should I Use a
Mortgage Broker?
Absolutely. Investment loans can be more complex than standard home loans—and your borrowing power and loan terms can vary significantly depending on the lender.
Our brokers will:
Compare a wide range of lenders and products
Help with equity release if you already own property
Explain interest-only vs. principal & interest options
Find loan features to improve cash flow (like offset accounts)
Get in touch today to make informed decisions with expert guidance.
Should I Use a
Mortgage Broker?
Absolutely. Investment loans can be more complex than standard home loans—and your borrowing power and loan terms can vary significantly depending on the lender.
Our brokers will:
Compare a wide range of lenders and products
Help with equity release if you already own property
Explain interest-only vs. principal & interest options
Find loan features to improve cash flow (like offset accounts)
Get in touch today to make informed decisions with expert guidance.
What’s Involved in Buying an Investment Property?
Here’s a quick overview of what’s involved:
Know your borrowing capacity and goals
Deposit requirements: Usually 10–20%, or use existing equity
Choosing the right property: Location, type, rental demand
Loan selection: The best structure and rate for your situation
Ongoing costs: Stamp duty, legal fees, inspections, and loan features
With so many variables, having the right broker on your side can make all the difference.
Investment Tips From Our Brokers.
Consider capital growth and rental yield when choosing a property
Don’t overextend—factor in vacancy periods and maintenance.
Speak to your accountant about tax benefits.
Structure your loan with flexibility and long-term goals in mind.
Use your home equity where possible to avoid dipping into savings.
Not sure where to begin? Our brokers can help you plan and prepare.
Ready to Buy an Investment Property?
With access to hundreds of competitive loan options, our brokers are here to support you at every stage of the investment journey.
Whether you’re buying your first investment or adding to your existing portfolio, Home Loan Club gives you the confidence to move forward.
No pressure.
Expert support.
Access to leading lenders.
Talk to our brokers today and let’s make your investment goals a reality.
Ready to Buy an Investment Property?
With access to hundreds of competitive loan options, our brokers are here to support you at every stage of the investment journey.
Whether you’re buying your first investment or adding to your existing portfolio, Home Loan Club gives you the confidence to move forward.
No pressure.
Expert support.
Access to leading lenders.
Talk to our brokers today and let’s make your investment goals a reality.
Investment Property FAQs.
What is an investment property?
An investment property is real estate purchased with the goal of generating income—either through rental returns, capital growth over time, or both. Unlike your home, it’s not intended for you to live in, but to grow your wealth.
Why invest in property?
Property is considered one of Australia’s most stable long-term
investments. Benefits include:
- Steady rental income
- Tax advantages like negative gearing and depreciation
- Potential capital growth
- Greater financial security over time
Our brokers can help you structure your loan to support your investment
strategy.
How much deposit do I need for an investment property?
Typically, lenders require a deposit of 10–20% of the property’s value. If you already own a home, you may be able to use your equity as a deposit. A broker can help assess your borrowing power and options.
What type of loan is best for an investment property?
Loan products vary depending on your goals. Many investors choose:
- Interest-only loans to reduce repayments early on
- Principal and interest loans for long-term wealth building
- Loans with offset accounts for better cash flow management
A mortgage broker will help tailor the right structure for your strategy.
Should I buy a house or an apartment as an investment?
That depends on your budget, location, rental demand, and investment
goals.
- Houses often provide land value and more capital growth potential
- Apartments may offer better rental yields and lower entry prices
Get advice from property experts and consider a broker’s insight on lender
policies for each.
Can I use equity in my current home to invest?
Yes. If your current home has grown in value, you might be able to access
the equity as a deposit on your investment. This can be a smart way to
start without needing large cash savings. A broker can walk you through
how equity release works.
What costs should I plan for?
In addition to your deposit, budget for:
- Stamp duty
- Legal fees
- Inspection reports
- Loan setup costs
- Ongoing property management or maintenance
Your broker can help estimate upfront costs and ensure you’re financially
ready.
Do I need a mortgage broker to buy an investment property?
It’s highly recommended. An experienced broker can:
- Help you access investment-friendly lenders
- Compare dozens of loan products
- Advise on structure, cash flow, and features
- Make the loan approval process easier
with confidence.
