Investment property loans
Build a property portfolio on a foundation that lasts
One investment property is a milestone. A portfolio is a strategy. 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
Rentvesting their way toward a debt free portfolio by 40
Situation: Two pharmacists in their late twenties, aiming to be debt free by 40.
Result: A $925,000 investment property bought with a $670,000 loan and tenanted at $670 a week.
Ethan and Audrey, 27 and 26, had just finished six years of study to become pharmacists. Their goal was clear: build a property portfolio that would have them debt free by 40, with passive income to support a family, flexible hours and travel.
Rather than wait, they chose to rentvest, buying their first investment property now while renting where they wanted to live. They bought for $925,000 with a $670,000 variable loan, chosen so they could pay it down quickly without the extra repayment limits some fixed loans carry. From more than $400,000 in savings they put in $255,000 for the deposit, stamp duty and fees, leaving a healthy buffer for their next move.
I introduced them to a property manager who secured a long-term tenant at $670 a week. Because they bought before the recent negative gearing changes took effect, the property still qualifies under the previous rules, so as their salaries grow they can work with their accountant on 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.
Sound like your situation? Tell me where your portfolio is at and I’ll show you how I’d structure your next loan.
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
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
Getting one loan approved isn’t the goal. Structuring it so it supports the next one is. Here’s where I focus for every investment loan.
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.
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.
How investing with me works
Building a portfolio takes planning. Working with me shouldn’t feel like work.
Why professionals work with me
You’ll deal with me on every purchase, so your next property is structured with the last one in mind.
23+
Years in financial services
70+
Lenders on panel
5★
Google rating
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.
Ready to grow your property portfolio?
Tell me where you’re at and where you want to go, and I’ll come back with a clear view of your options.
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.