Investment Loans
Whether you’re an experienced property investor or a novice, let us help get you started.
Whether you’re an experienced property investor or a novice, let us help get you started.
Investing in property remains one of Australia's most trusted wealth-building strategies, but finding the right investment loan structure is critical to your long-term success. At Linton Finance, we specialise in crafting investment loan solutions that maximise your borrowing power while setting you up for future portfolio growth.
Our team of investment property specialists brings both professional expertise and personal experience to the table—we're active property investors ourselves. This dual perspective allows us to provide uniquely valuable guidance whether you're purchasing your first investment property or expanding an established portfolio.
Portfolio-focused approach: We consider not just this purchase, but how it fits into your broader investment strategy
Lender relationships across 30 banks: Access competitive rates and policy exceptions not available direct to the public
Investment property specialists: Our brokers are active investors who understand the unique challenges and opportunities
Strategic equity management: Expert advice on releasing equity from existing properties to fund future purchases
SMSF loan solutions: Leverage your superannuation for property investment without impacting personal borrowing capacity
Ongoing support: We proactively review your portfolio to ensure you're always getting competitive rates
Fixed and variable rate investment loans
Interest-only payment structures
Equity cash out
SMSF property loans
Commercial investment property loans
Construction loans for investment purposes
Strategy Consultation:
We begin with a comprehensive discussion about your investment goals, time frames, and risk tolerance. This allows us to understand whether you're focused on capital growth, rental yield, or a balanced approach.
Financial Assessment:
Our team analyses your current financial position, including income, assets, liabilities, and existing properties. We'll determine your borrowing capacity across multiple lenders while identifying the optimal loan structure for your investment strategy.
Loan Selection & Pre-Approval:
Based on your investment objectives, we'll present tailored loan options with competitive rates and features that support your property investment goals. Once you've selected your preferred option, we secure pre-approval so you can confidently begin your property search.
Property Purchase Support:
Throughout the purchase process, we coordinate with your solicitor or conveyancer to ensure a smooth transaction. We'll handle all lender requirements, keeping you informed at every stage.
Settlement & Beyond:
After settlement, our relationship continues with regular loan reviews to ensure your investment loan remains competitive. As your portfolio grows, we provide strategic advice on leveraging equity, refinancing, and structuring additional purchases.
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Nathan was great to work with—professional, knowledgeable, and really helpful. He recently helped me with an investment loan and found several lenders with competitive rates, giving me good options to choose from. The whole process was smooth, and I’d definitely recommend him.
Ahmad Ghanizada
Linton Finance and Nathan was absolute pleasure to deal with. He helped me get the best deal which I'm very happy with. Made the process so easy and stress free. I have already recommended him to others and will do the same in the future. Looking forward to the continued partnership. Thank you
Darren Wickham
I had an amazing experience with Linton finance. They made the whole process super easy by explaining everything in plain language and always being quick to answer my questions. I ended up with a great mortgage deal and terms that aligned perfectly with my financial goals. Id definitely recommend them if you're looking for someone knowledgeable and friendly.
Usman Malik
Nathan is an excellent mortgage broker, he took his time to understand our circumstances and came back to us very quickly with a number of options that were much better than what our bank of 15 years were offering us. Very pleased and couldn't recommend them highly enough!
Alice Chin
Nathan was a treat, he made the process really simple. He was super quick responding to all my questions and was able to get the loan approved for my wife and I at a rate we were happy with. Would definitely recommend
Joseph T
We’ve used multiple brokers in the past and Nathan has been by far the best. He was very thorough and broke things down for us, making things easy from start to finish. Highly recommend!
nicole abouchaaya
Investment loans typically have slightly higher interest rates and may require larger deposits than owner-occupier loans. They often offer different features like interest-only payment options that can be advantageous for investors from a cash flow and tax perspective.
Most lenders require a minimum 10-20% deposit for investment properties, though this can vary based on the property location and your financial situation. We can help you explore options if you have less than the standard deposit by leveraging equity in existing properties or exploring lenders with more flexible policies.
Yes, using equity from your existing home is a common strategy for funding investment property purchases. This approach can eliminate the need for a cash deposit. Our brokers specialise in helping clients structure equity access in the most efficient way.
Interest payments and other expenses related to your investment property may be tax-deductible. While we don't provide tax advice, we work closely with accountants and financial planners to ensure your loan structure complements your overall tax strategy.
Yes, interest-only loans are still available for investment properties and can be beneficial for cash flow management and tax planning. However, policies vary between lenders, and approval depends on your financial situation and investment strategy.
If you're borrowing more than 80% of the property value, you'll typically need to pay Lenders Mortgage Insurance (LMI). We can help you determine whether paying LMI to enter the market sooner makes financial sense for your investment strategy or whether we can explore other options depending on your profession.
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Linton Finance Pty Ltd ABN: 30 676 911 210. Credit Representative #560299 is authorised under Australian Credit License #389087
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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