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 fantastic to work with throughout our process. From the ease of initial entry of information, to dealing with unexpected changes from our end and answering our many questions, Nathan was always ready to support us and go above and beyond.
Harry Nicholls
Nathan is an incredible mortgage broker. He made the entire process go by smoothly, and negotiated several great options within days. Even though we had to apply for a second loan after the first was approved due to change in circumstances, he kept the process as stress free as possible. We are all the way in WA, and despite the time differences, he was still lightning quick with his responses, even outside of business hours. He is friendly, approachable, and answered all of our silly little questions with ease and confidence. We can’t wait to recommend Nathan to our friends and family, and we would definitely seek out his services again in the future. We have Nathan to thank for allowing us to buy our first home. Thank you!
Eda Pui
My refinance process was smooth and hassle-free. Nathan was highly responsive, knowledgeable, and made everything easy from start to finish. I felt confident throughout and look forward to working with him again in the future. Highly recommended.
Brendon Xu
Could not fault this business, the efficiency and quality of Nathan’s service is second to none, he made buying a home simple and stress free. Thanks again.
josh
Nathan has been an amazing mortgage broker for us. There was a lot of questions my husband and I were concerned and unsure about, but Nathan was able to break down our concerns and address them- leaving us stress free. He went above and beyond for us to secure our home and we are so grateful. Highly recommend!!
Alyssa Balayo
Working with Linton Finance was a game changer for us, they were somehow able to get us approved just days after speaking and our loan refinanced to a cheaper rate with cash out for a renovation in 2 weeks. The whole process was without any printing and signing and Nathan always picks the phone up when we call with questions. Super happy with the result and look forward to recommending them to our friends and family.
Michael Angelo DelaCruz Rubio
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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