Whether you're building a residential portfolio or acquiring your first investment property, WJ Home Loans helps you compare investment loan structures across 40+ lenders — tailored to your cash flow, tax position and long-term strategy.
An investment property loan is a credit facility used to purchase or refinance a property you intend to rent out rather than live in. Lenders typically assess investment loans differently to owner-occupied loans — often applying higher interest rates and different serviceability criteria.
As a mortgage broker, WJ Home Loans helps you navigate those differences and identify a structure that fits your investment strategy. Whether you're targeting cash flow, equity growth, or tax efficiency, we'll help you compare appropriate options across our lender panel.
Investment loans can be structured as interest-only (IO) or principal and interest (P&I), and may include offset accounts or redraw options depending on your strategy. We'll explain the trade-offs clearly so you can make an informed decision.
Investment loans have different structural options compared to owner-occupied lending. Here's what you need to understand.
Pay only the interest component for a set period (typically 1–5 years). Lower repayments improve cash flow — popular with investors maximising rental yield or managing tax deductions.
Pay down both principal and interest from the start. Builds equity faster and lenders typically offer lower interest rates on P&I investment loans.
Lock in your investment loan rate for 1–5 years. Provides repayment certainty and makes cash flow forecasting more predictable across your portfolio.
Rate moves with market. Allows extra repayments, offset account use and flexible redraw — suited to investors who want flexibility.
Investment loan policies vary significantly between lenders. We compare suitable options across banks and non-banks to help identify the right fit for your strategy.
IO vs P&I, fixed vs variable, offset or no offset — we help you understand which combination suits your cash flow position.
If you have multiple properties, we understand how lenders assess cross-collateralisation, serviceability and existing debt — important when growing a portfolio.
We disclose all commissions upfront. Our recommendation is based on your needs — not the lender that pays the most.
Tell us about your investment goals and we'll compare suitable loan structures across our lender panel.
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From strategy discussion to settlement, here's what to expect when financing an investment property with WJ Home Loans.
We discuss your investment goals, current portfolio, serviceability position and preferred loan structure to understand what you're trying to achieve.
We research suitable options and present a credit proposal outlining our recommendation — including rate, structure, fees and key features.
We prepare and lodge your application, coordinate the valuation and manage lender queries through to formal approval.
We coordinate settlement with your conveyancer and lender, then check in post-settlement — particularly at IO period review dates.
Lenders typically charge a higher interest rate on investment loans compared to owner-occupied loans, and may apply stricter serviceability criteria. Investment loans also have different tax implications — interest may be deductible where the property is used to produce income. Speak with your accountant for tax advice.
Yes — equity in an existing property can be accessed to fund a deposit or purchase price via a top-up on your current loan or a refinance. We can help you understand your available equity and suitable options across our lender panel.
It depends on your strategy, cash flow and tax position. IO loans have lower repayments which can improve cash flow, while P&I reduces your loan balance faster. There's no universal answer — we'll explain the trade-offs based on your situation (noting tax advice should come from your accountant).
There's no fixed limit, but each additional property affects your serviceability and each lender has different policies around the number of investment loans they'll service. As your portfolio grows, lender selection becomes more important — we can help navigate those constraints.
Yes. Many lenders on our panel assess self-employed income using tax returns, business financials or alternative documentation. Policies vary — we'll match your income profile to the most suitable lender options.
Yes — refinancing an investment property loan is one of the most common requests we handle. Whether you're chasing a lower rate, switching structure or releasing equity, we'll compare your options and run the numbers on whether refinancing makes sense after factoring in break costs and fees.
Our team of brokers is happy to talk through your situation — no obligation and no pressure.
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No-obligation assessment. We compare options across our lender panel on your behalf.
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