Investment property loans differ from owner-occupied loans in several important ways — lenders assess them differently, the interest rates are usually slightly higher, and the way you structure your loan can have real implications for your cash flow and tax position. Getting the right advice from a broker who understands investment lending is essential.
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Why Choose Wiseman Financial?
Frequently asked questions
Can I use equity in my home to buy an investment property?
Yes. If you have sufficient equity in your owner-occupied home, you may be able to use it as security or release it as a deposit for an investment property without touching your savings.
Should I use interest-only repayments for my investment loan?
Interest-only repayments reduce your monthly outgoings and can improve cash flow on an investment property. However, you're not reducing the principal during the interest-only period. The right choice depends on your strategy — we discuss this in detail during your consultation.
How do lenders calculate rental income?
Most lenders apply a rental income shading (typically 70–80% of gross rent) when assessing serviceability. We know which lenders apply more investor-friendly policies.
Can I hold investment properties in a trust or company structure?
Yes, but this affects how lenders assess you. We work with clients using various entity structures and can match you with lenders who accommodate your setup.