Investment Property Loans
Smart financing for strategic investors. Build wealth with the right loan structure, tailored to your goals – not just your next property.
Leverage Property to Build Wealth
You’ve worked hard to get here – now it’s time to make your money work for you. At XploreFS, we help everyday Australians take the next step in their financial journey through intelligent investment property loans.
Whether it’s your first investment or you’re expanding your portfolio, we help you find a loan that enhances your returns and fits your long-term strategy. We consider your tax situation, ownership structure, cash flow goals and equity – not just the interest rate.
It’s Not Just About Buying Property – It’s About Buying Time
A great investment mortgage isn’t just about leverage. It’s about flexibility.
Fixed or variable? Interest-only or principal & interest? Cross-collateralisation risks? These are big questions – and we don’t leave them unanswered. At XploreFS, we break down complex structures in plain English, so you can invest with clarity.
We tailor your loan not just to get approved, but to help you grow faster, reduce risk, and stay in control.
Why XploreFS Is the Broker Investors Trust
Unlike many brokers, we don’t just compare rates and send off an application. We plan.
At XploreFS, we’re ex-property professionals who understand how finance interacts with your broader investment goals. That’s why we take the time to review your portfolio, explore loan splits and offsets, and even model the long-term outcomes of different structures.
And with strong relationships with over 45 lenders and their BDMs (Business Development Managers), we help our investor clients access policy exceptions and packages they wouldn’t get elsewhere.
Your Portfolio Doesn’t Stop After One Property – Neither Do We
Your needs evolve as your portfolio grows – and we stay with you every step of the way.
We proactively review your loans for better rates, negotiate with banks on your behalf, and help you refinance or restructure as your goals change. Whether you’re planning renovations, a new purchase, or just want to pull equity, we’ll make sure your finance is always working for you – not the other way around.
Frequently Asked Questions About Investment Property Loans
How much deposit do I need for an investment property loan?
Most lenders require at least a 10%–20% deposit for investment loans, though some may allow less with LMI (Lenders Mortgage Insurance). We’ll help you compare your options and understand how your equity or savings can be used most effectively.
Can I use equity from my home to invest in property?
Yes – and this is one of the most common strategies. We can assess your current property’s value and borrowing capacity to help you unlock equity and structure the next purchase with minimal upfront cash.
Is negative gearing right for me?
Negative gearing can reduce your taxable income – but it’s not right for everyone. We’ll walk you through the pros and cons based on your financial position and long-term goals.
What costs should I factor in when investing in property?
Aside from the deposit and stamp duty, you’ll want to plan for legal fees, building inspections, potential maintenance, and ongoing loan repayments. We help you budget for all of it – so there are no surprises.