Whether you're buying your first rental, adding to a portfolio, or financing a commercial investment, the right loan structure — interest-only, LVR, offset, cross-collateralisation — can make or break the numbers. As a broker across 50+ lenders, we compare investment products for residential and SME commercial buyers and structure the deal around your goals, not one bank's policy.
Most investors don't get stuck on finding the property — they get stuck on borrowing power, LVR, interest-only terms, and how lenders treat rental income and existing debt. Go straight to your own bank and you get one view of the world. The difference between a deal that works and one that doesn't is usually the structure, not the property — and structure is exactly where a broker across 50+ lenders earns their keep.
How a lender assesses rental income, existing debt and living costs can swing your borrowing capacity dramatically.
Interest-only vs P&I, offset, and whether loans are cross-collateralised all shape cash flow and future flexibility.
Your own bank applies its own policy. A panel of 50+ lenders means the deal is matched to the lender it fits.
An investment property loan funds a property you'll rent out rather than live in — residential or commercial. Because it's for investment, lenders assess it differently from an owner-occupier loan, and the structure is where the real decisions sit:
How much you can borrow against the property's value. Many investors borrow up to a high share of value, often using equity in an existing property as the deposit.
Interest-only can maximise cash flow and tax deductibility during the investment phase; principal & interest builds equity. The right choice depends on your strategy.
Lenders count a portion of expected rent toward your borrowing power, and each treats existing debt and expenses differently — which is why lender choice matters.
Two investors can buy the same property and end up with very different outcomes purely on how the loan is set up — LVR, interest-only period, offset, whether loans are cross-collateralised, and which lender's servicing calculator is used. We compare investment products across the panel and structure the loan around your portfolio goals, tax position and cash flow, then handle the application end to end. Any figures discussed are indicative only and subject to lender assessment.
We map your strategy — first rental, portfolio growth, or commercial investment — and work out realistic borrowing power across the lender panel, including any equity you can release.
Interest-only vs P&I, LVR, offset, and whether to keep loans standalone rather than cross-collateralised — set up around your cash flow, tax position and future plans.
Each lender's servicing calculator treats rental income and existing debt differently. We take your scenario to the lenders whose policy actually fits it.
We package and submit the application, manage valuations and conditions, and keep it moving to formal approval. Timeframes are indicative and depend on the lender.
We coordinate to settlement — and if you're a business owner buying through a company or SMSF, or eyeing the next deal, we line up the wider finance picture too.
"With investment lending, the property is rarely the hard part. Getting the structure and the lender right is what protects your cash flow and keeps the next purchase possible." — Pooja Choudhary
Houses, units and townhouses bought to rent out. Interest-only or P&I, with LVR and offset structured around your goals.
Get an assessment →
Offices, retail, warehouses and mixed-use bought as an investment. Different LVR and lease considerations — we structure the commercial deal.
Commercial Property Loan →
Buy an investment property inside a self-managed super fund via a limited recourse borrowing arrangement. Specialist lender territory.
SMSF Finance →
Refinance an existing investment loan for a better structure, or release equity to fund the deposit on your next property.
Refinancing →
Construction and development finance for an investment build or dual-occupancy. Drawdowns aligned to build stages.
Construction Finance →Every lender assesses investment lending differently — especially rental income, existing debt and living expenses. Figures below are indicative only and subject to full lender assessment and valuation.
| What matters | Typical position | Why it matters |
|---|---|---|
| Deposit / equity | Deposit or usable equity in an existing property | Equity release can replace a cash deposit |
| LVR | Commonly up to a high share of value* | Higher LVR may trigger lenders mortgage insurance |
| Rental income | A portion counted toward servicing | Each lender uses a different assessment rate |
| Repayment type | Interest-only or principal & interest | Shapes cash flow and deductibility |
| Loan structure | Standalone vs cross-collateralised | Affects flexibility for your next purchase |
*LVR, rates and borrowing power vary by lender, property type and your circumstances. Indicative only, not a quote or an offer of credit, and confirmed in writing before you commit. Our broker service is generally free to you, as lenders pay our commission — we disclose this in writing.
Borrowing power for investment lending swings hugely between lenders. Tell us your scenario and we'll map it against the panel to find the lender whose policy actually fits.
From buying your first rental to structuring a growing portfolio, an SMSF purchase, or a commercial investment held through your business — the right loan structure and lender depends entirely on where you are and where you're headed. That's the conversation we have first.
Get a free lending assessment →Buying your first rental, often using equity
Structuring loans to keep buying
Renting where you live, investing elsewhere
Buying property inside a super fund
Commercial investment via a company or trust
Better structure or equity for the next deal
Not sure which applies to you? Most investors fit more than one. Approval, LVR and terms are subject to lender assessment and valuation.
Before founding Probiz, Pooja spent years inside NAB and ANZ, assessing lending from the credit side of the table. She knows how servicing calculators treat rental income and existing debt, where LVR and interest-only policy actually sits, and what a lender needs to see to say yes. We're a broker, not a lender: we compare investment products across the panel and package your application for the best outcome, rather than sending you to a single bank.
Pooja structured our investment loan so we could release equity and buy the next property without stretching our cash flow...
We recently had the pleasure of working with Probiz Finance and could not be more satisfied with the experience...
I've relied on Probiz Finance across a couple of investment purchases now, and every experience has been smooth and genuinely well advised...
An investment loan funds a property you rent out rather than live in. Lenders often price and assess it differently, count only a portion of expected rent toward your borrowing power, and offer features like interest-only that suit an investment strategy. Investment lending also sits outside some of the consumer protections that apply to owner-occupier home loans, so structure and advice matter.
It depends on your income, existing debt, expected rental income and the lender's servicing calculator — which vary widely. Many investors borrow up to a high share of the property value, and can use equity in an existing property instead of a cash deposit. We work out realistic borrowing power across the panel before you commit. Any figures are indicative only.
There's no universal answer. Interest-only can improve cash flow and the deductibility of interest during the investment phase, which suits many investors; principal & interest builds equity and often carries a lower rate. The right choice depends on your strategy, tax position and plans for the property. We talk this through — and note we're brokers, not tax advisers, so we'd suggest confirming tax treatment with your accountant.
Often, yes. Releasing usable equity from an existing property is one of the most common ways investors fund a deposit — sometimes avoiding the need for cash at all. We can structure this so your loans stay flexible for future purchases rather than tangled together. Subject to valuation and lender assessment.
Our service is generally free to you — lenders pay us a commission when your loan settles, which we disclose to you in writing. You get access to the whole panel and the structuring work at no direct cost. Any rates, fees or figures we discuss are indicative only and confirmed in writing before you commit.
Yes. Property can be held inside a self-managed super fund through a limited recourse borrowing arrangement, or bought commercially through a company or trust — both are specialist lender territory with their own rules. If you're a business owner, we can also line up the wider finance picture, from the commercial loan to your broader business lending.
Cross-collateralisation is when multiple properties secure the same loans, so they're tied together. It can simplify a deal but reduces flexibility — selling or refinancing one property can affect the others. Many investors prefer standalone structures to keep future purchases clean. We'll set yours up around your plans.
Typically ID, recent payslips or business financials, bank statements, details of existing loans and properties, and the contract or details of the property you're buying. Self-employed and SMSF applications need a little more. We'll give you a clear checklist for your specific situation.
No credit checks at this stage, no obligation. Tell us about your situation and what you're looking to buy, and we'll come back within one business day with a read on borrowing power and structure.
No cost, no obligation, no cookie-cutter advice — just a real conversation about borrowing power, structure and the right lender for your goals. Book a strategy session with Pooja.
Please feel free to contact us. We’re super happy to talk to you.
Feel free to ask anything.