Investment Loans

Buy your first investment property or expand your portfolio with an Investment Loan

An Investment Property can be a great way to earn passive income while also taking advantage of numerous tax benefits. However, an investment property with the wrong Investment Loan can quickly erode these benefits and leave you worse off. We're experts in Investment Loans and can make sure you purchase with the right loan.

Understanding concepts like Negative Gearing and Positive Gearing as well as considering capital growth and yield are key to growing your investment portfolio. We can help you find the right loan to fit your investment property strategy and handle all the paperwork to get your loan approved.

We're a proud member of the Mortgage and Finance Association of Australia and have clients right across Australia. If you're looking to get the right Investment Loan, we have the expertise and experience to guide you through the process of finding the right loan for you.

Getting an Investment Loan

Step 1: Let’s Talk Strategy

Investing in property isn’t just about the loan, it’s about your bigger picture. We start with a chat to understand your goals, whether it’s building long-term wealth, growing your portfolio or generating rental income. From there, we look at your borrowing power and discuss how lenders assess investment loans differently from owner-occupied ones.

Step 2: Review Your Finances

We’ll run through your income, expenses, debts, assets, savings and credit history to calculate how much you can borrow and what your repayments might look like. If you’re planning to use equity from another property, we’ll help structure that too.

Step 3: Find the Right Loan Setup

From interest-only loans to offset accounts and fixed vs variable rates - investment lending has a few more moving parts. We’ll compare options from over 30 lenders and explain the pros and cons, tax implications and how each loan aligns with your strategy.

Step 4: Pre-Approval in Place

A pre-approval gives you confidence to make a strong offer when the right property comes along. We’ll help you prepare the necessary documents like payslips, tax returns, bank statements and any existing property info, so you’re ready to move quickly.

Step 5: Application to Approval

Once you’ve chosen a loan, we take care of the application process from start to finish. We liaise with the lender, handle their questions, and make sure every box is ticked. When your loan is formally approved, we’ll go through the details and next steps before settlement.

Step 6: Ongoing Support

Your investment journey doesn’t end at settlement and neither does our support. We can help you stay across interest rate changes, rental income impacts and when the time’s right, review or refinance to keep your loan working in your favour.

Book Appointment

Our Latest Reviews

Max H

Chandelle helped me figure out how much I can afford to borrow and explained a lot of finance stuff in a way that made sense. I was expecting the whole process to be difficult but the only hard part was finding all my paperwork and documents! After that, she actually made it feel easy. I'm now pre-approved and excited about buying my first home!

Joanna

Im so pleased to have been recommended to Chandelle by a mutual friend, she listened to me and offered me advice which actually talked me out of buying a property that turns out was not suitable for me. I don't know that many super honest people who puts others interests before their own, but that was certainly the case here. Whilst I havent yet bought, I will 100% be going back to see Chandelle because she has proven to be a genuine, caring and smart girl. Thanks Chandelle!

We work with Australia's biggest lenders

Frequently Asked Questions

What’s pre-approval, and why does everyone talk about it?

Pre-approval is your golden ticket, it shows sellers and agents that you’re serious (and ready).
At Mortgage Lane, we help you get pre-approved quickly so when the perfect place pops up, you're ready to take action!

What extra costs should I know about?

Good question, because it's not just the deposit!
There’s stamp duty, legal fees, maybe a valuation fee, and a few other bits and pieces.
We’ll lay it all out for you in plain English, with no scary surprises along the way.

How much deposit do I need?

In most cases, you’ll need somewhere between 2% and 20% of the property price.
Bigger deposit? Great! It can help you avoid extra fees like LMI.
Smaller deposit? No stress, we’ll work through the smartest options together to get you on the road.

How much time will it take?

Short answer: Thankfully - very little of your time!
Long answer: Pre-approval can be a few hours to a few days and full approval usually occurs within 1–2 weeks (depending on the lender, loan conditions and paperwork).
The important part is that we do the heavy lifting, nudging (or pushing) lenders to keep things moving and keep you updated so you’re never left wondering what’s next.

What documents do I need to get started?

Think of it like a speed dating 'get-to-know-you' event: ID, payslips, tax returns, bank statements, details of debts and savings.
We’ll send you an easy step-by-step list so you know exactly what’s needed - and we’re always here to help if you get stuck.

What is Lenders Mortgage Insurance (LMI), and do I need it?

LMI protects the bank, not you. (Annoying, we know.)
It usually kicks in if you have less than a 20% deposit.
We’ll show you how it works, when you can avoid it, and what creative strategies we can use to save you money where possible.

How much can I borrow?

Think of it like shopping with a set budget - your borrowing power depends on your income, expenses, and a few other things like existing loans.
At Mortgage Lane, we crunch the numbers early, so you know exactly what you can comfortably afford before you even start scrolling through dream homes.

Why use a mortgage broker instead of going straight to a bank?

Because a bank can only tell you about their products.
We provide you with access to a broad network of lenders and loan solutions finding the best lender and loan for your needs, not theirs.
Plus, we take the pressure off and advocate for you every step of the way. And our service comes at no cost to you!

What happens after I’m approved?

That’s when the real fun begins!
You’ll move through to settlement (we’ll guide you through it), and before you know it, keys in hand, dreams unlocked.
And we’ll still be right here, checking in, helping with future questions, and making sure you always feel supported beyond settlement.

Have a question we didn’t cover? Reach out anytime, your journey is personal and we're always happy to help.

What’s the difference between fixed and variable rates

Fixed rate = same repayments, no surprises.
Variable rate = repayments can move up or down with the market.
Which one's better? It depends on what you value more - certainty or flexibility.
We’ll help you figure out what feels right for your journey (and your nerves).

Mudgee, NSW

0450 901 478

About Us

Services

Calculators

The Trustee for CJL Family Trust ABN: 36 704 139 887. Credit Representative #569174 is authorised under Australian Credit License #389328

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. This testimonial was given by our customers. They are individual experiences of our customers that have used our service. Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Calculators are illustrative only and calculated based on the accuracy of the information entered by you. They are not a guarantee of an offer or acceptance of loan eligibility.

At Mortgage Lane, we're Mortgage Brokers helping clients Australia-wide secure the right Investment Loan to buy an investment property