Investment property loans
Build a property portfolio on a foundation that lasts
One investment property is a milestone. A portfolio is a strategy. The loan behind your first purchase should already have your second and third in mind.
I structure each loan with your next purchase already in mind, not just the one in front of you.
Prefer to talk first? Call Durand direct on 0450 275 656
How I can help
With over 23 years in financial services, I bring a depth of understanding to lending, tax structure and long-term wealth building that most brokers simply don’t have. Getting one loan approved isn’t the goal. Structuring it so it supports the next one is.
Portfolio-minded structuring
Every loan considered against your capacity to keep growing, not just this purchase.
Interest-only vs P&I strategy
The right repayment structure for your cash flow and investment goals.
Ownership structure guidance
Personal, trust, company or SMSF, matched to your tax and asset protection needs alongside your adviser.
Avoiding cross-collateralisation
Keeping properties and lenders structured cleanly so one issue does not put your whole portfolio at risk.
Serviceability across multiple loans
Modelling your borrowing capacity realistically as your portfolio grows.
Coordination with your accountant
Ensuring loan structure and tax treatment work together, not against each other.
Rentvesting their way toward a debt free portfolio by 40
Ethan and Audrey, 27 and 26, had just finished six years of study to become pharmacists and were starting their careers with a clear, ambitious goal. They wanted to build a property portfolio that would let them be debt free by 40, with passive income supplementing their lifestyle so they could start a family, work their own hours, and travel.
Both were still early in their careers and not yet at their peak earning potential, but with strong capability to grow their income over the next decade, Ethan with an eye on eventually owning or co-owning several pharmacies around Melbourne. Rather than wait, they wanted to buy their first investment property now while continuing to rent themselves, a strategy known as rentvesting, so they could keep living where they wanted while building equity in the background.
They purchased a property for $925,000 with a $670,000 variable rate loan. They chose variable deliberately, wanting to pay the loan down quickly and build equity without the extra repayment fees some fixed loans charge. With more than $400,000 in savings, boosted by a small inheritance Audrey had received, they contributed $255,000 to cover the deposit, stamp duty and government fees, comfortably within their savings pool with a healthy buffer left over for their next move.
We introduced them to a property manager who secured a long-term tenant at $670 a week. Because they purchased before the recent negative gearing changes took effect, the property continues to qualify under the previous rules, meaning as their salaries grow over the next decade, they’ll be able to work with their accountant to use negative gearing to help manage their tax position.
The result is a couple in their late twenties already building toward financial freedom, living the lifestyle they want today while their investment quietly works toward the debt free future they're aiming for by 40.
With their first property tenanted and their strategy underway, Ethan and Audrey are now well placed to keep building their portfolio as their careers, and their earning potential, continue to grow.
Structured for the portfolio, not just the property
Investment lending is assessed differently to owner occupied lending, generally with a slightly higher rate and closer scrutiny of rental income and your existing debts. The mistake many investors make is treating each purchase in isolation. The right structure, ownership entity, loan type, and how properties are secured, determines how far your portfolio can actually grow before serviceability becomes the limiting factor.
It suits you if you are
- Buying your first investment property
- Growing an existing property portfolio
- Wanting a structure that supports future purchases
- Weighing up trust, company or personal ownership
- Building long-term wealth through property, not a quick flip
Why clients choose me for investment lending
With over 23 years in financial services, I understand the intersection of lending, tax structure and long-term wealth building better than a broker who only compares rates. I don’t just get one loan approved, I look for the detail in your numbers that determines how far your portfolio can actually grow.
Structured for the portfolio, not just the property
Investment lending is assessed differently to owner occupied lending, generally with a slightly higher rate and closer scrutiny of rental income and your existing debts. The mistake many investors make is treating each purchase in isolation. The right structure, ownership entity, loan type, and how properties are secured, determines how far your portfolio can actually grow before serviceability becomes the limiting factor.
It suits you if you are
- Buying your first investment property
- Growing an existing property portfolio
- Wanting a structure that supports future purchases
- Weighing up trust, company or personal ownership
- Building long-term wealth through property, not a quick flip
Why clients choose me for investment lending
With over 23 years in financial services, I understand the intersection of lending, tax structure and long-term wealth building better than a broker who only compares rates. I don’t just get one loan approved, I look for the detail in your numbers that determines how far your portfolio can actually grow.
How I can help navigate your next move
Buying a home is stressful enough. The process working with me shouldn’t be.
Why professionals work with me
Every lending strategy is delivered by the same person, start to finish, not handed between call centre staff.
23+
Years in financial services
70+
Lenders on panel
5★
Client feedback
1:1
End-to-end service, no handoffs
Investment property loan FAQs
How many investment properties can I own?
There’s no fixed limit, but your borrowing capacity naturally tightens as your existing debts and commitments grow. The right structure, and how each loan is set up, plays a big part in how far you can realistically expand your portfolio.
Should I choose interest-only or principal and interest?
Interest-only can improve cash flow and, in some cases, tax efficiency, while principal and interest builds equity faster. The right choice depends on your strategy, timeframe, and how the investment fits your broader financial plan.
What is cross-collateralisation and why does it matter?
Cross-collateralisation is when one loan is secured against more than one property. It can seem convenient, but it also means an issue with one property can affect your whole portfolio. I generally structure loans to avoid this where possible.
Do I need a company or trust to buy an investment property?
Not necessarily. Personal ownership is simpler and suits many investors, while a trust or company structure can offer tax or asset protection benefits in the right circumstances. This is a decision to make alongside your accountant, and I’ll structure the lending to match whatever you decide.
How is my borrowing capacity assessed with an existing portfolio?
Lenders look at your income, existing debts, and a portion of your rental income, then apply a serviceability buffer above current rates. As your portfolio grows, this assessment becomes more detailed, which is where the right lender and structure make a real difference.
How is your approach different from a broker who only sells one product?
Some brokers are focused on getting the next loan across the line. With over 23 years in financial services, I look at how each loan affects your capacity to buy the next one, so your portfolio can keep growing rather than stalling after property two or three.
Related reading
Want to go deeper before you get in touch? Start here.
Buying your first investment property
What to consider before you make your first move into property investment.
Offset vs redraw
Understanding which loan feature actually suits how you manage money.
Explore more lending options
Property is one path to long-term wealth. Here’s where else to look.
Equity release
Use the equity in your home to fund your next property purchase.
SMSF lending
Explore investing in property through your self-managed super fund.
Debt recycling strategy
Turn non-deductible home loan debt into a wealth-building tool.
Ready to grow your property portfolio?
Tell us where you’re at and where you want to go, and we’ll come back with a clear view of your options.