5 Smart Lending Moves for Property Investors Earning $300k+
Make your money work harder — and grow faster — with these expert-backed mortgage strategies.
If you’re earning a high income, you’re in a prime position to grow wealth through property. But success isn’t just about picking the right suburb — it’s about structuring your finance the right way. At Willow & Reed, we help high-income professionals and families optimise every element of their investment lending strategy.
Here are five smart moves to help you get more out of your next investment property loan:
Use interest-only loans strategically
Interest-only loans can improve cash flow and maximise tax-deductible expenses in the short term — particularly useful if you’re planning further investments or building a portfolio. But they’re not for everyone. We help you weigh the benefits against long-term repayment planning and portfolio goals.
Separate your loans (don’t cross-collateralise)
Cross-collateralising properties might seem efficient, but it can reduce flexibility and increase risk exposure. We typically recommend separating loans and securing each one independently — giving you greater control, especially if you plan to sell or refinance later.
Unlock equity the right way
Equity in your home or existing properties can be a powerful funding tool. We show you how to release equity efficiently — without over-leveraging — so you can invest without draining savings or disrupting your lifestyle.
Match structure to strategy
Are you buying for capital growth or yield? Will this be held long-term or turned over quickly? We align your loan structure — variable vs fixed, offset accounts, interest-only vs P&I — with your investment plan to keep your money moving in the right direction.
Review Your Lending Regularly
Property markets and interest rates shift. So should your loan. A regular review ensures you’re still on a competitive rate, taking advantage of better structures, and not leaving thousands on the table.
Want a personalised lending strategy?
We help established professionals structure investment loans with precision. Whether you’re buying your first or your fifth property, we’ll help you invest with confidence.