Investment Loans

How an investment loan is set up affects your flexibility, your future borrowing and how easily you can adjust course later.

With an investment purchase, structure matters as much as rate. How the loan is split, whether it is interest-only or principal and interest, how offsets are arranged and which security sits against which loan all affect your flexibility later.

Things worth thinking through

Interest-only versus principal and interest, and what happens when an interest-only period ends
Cross-collateralisation, and why it can make future changes harder
Buffers for vacancy, rate movements and maintenance

We do not provide tax or accounting advice. Taxation outcomes depend on your circumstances — please speak with a registered tax agent.

Repayments

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The information provided on this website is general information only and does not take into account your objectives, financial situation or needs. Calculator results are estimates only and should not be relied upon as an offer or approval of credit. Lending criteria, fees, charges, interest rates and eligibility requirements may vary between lenders. Before making a decision, consider whether the information is appropriate for your circumstances and obtain professional advice where appropriate.