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Investment Property Loans

Investment property loans that set up your next purchase

Buying your first investment property, rentvesting or refinancing? We’ll help you maximise your borrowing power, structure your lending for future purchases and choose the right loan for your strategy.

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Scott, founder of koala financial
Rated 5.0 on Google🏦 Lenders compared for your situation🏠 Focused on first-time property investors🇦🇺 Australia-wide
What we offer

Investment lending, tailored to your goals

We help you structure your lending so buying your second and third investment is only a few steps away.

Why koala financial

Get your investment lending right from day one

Buying an investment property isn’t just about getting approved. The right loan structure can improve your cash flow, preserve your borrowing power and set you up for your next purchase.

Structure your lending with future investments in mind
Access to 50+ lenders, including specialist investment lenders
Deal directly with Scott from start to finish
Clear guidance in plain English
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Borrow with confidence

Know exactly what you can afford before you start looking.

Set yourself up for what’s next

Structure your lending to support future property purchases.

Choose the right lender

Different lenders suit different investors. We help you find the right fit.

Keep your options open

Protect your borrowing power for future opportunities.

Try it now

How much could you borrow?

Drag the dial for an instant, indicative figure, then run your full numbers in the borrowing power calculator on our purchase page.

$558k
indicative loan, renting $550/wk
about a $620k property with a 10% deposit
$120k

Estimate how much you could borrow from your income, expenses and expected rent.

Run your full numbers - Borrowing Capacity
How it works

Your first investment, simplified

1

Understand what’s possible

We’ll discuss your goals, borrowing power and whether you’re ready to buy now or would benefit from a plan first.

2

Build the right lending strategy

We work out your buying position, compare suitable lenders and structure your loan around this purchase and your future property goals.

3

Move forward with confidence

We manage the application, keep you informed through to settlement, and continue supporting you as your plans evolve.

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Investment lending questions, answered

The quick versions. You’ll find the full lists on the purchase and refinance pages.

Do I need a big income to start?

Not necessarily. Lenders assess your full position, including your income, expenses, debts, deposit or equity and the property’s expected rent. An ordinary income may still support an investment loan, but only a proper assessment can show what is realistic for you.

Is an investment loan different from a normal home loan?

Yes. Investment loans usually carry slightly higher interest rates, lenders assess them with rental income included, and features like interest-only repayments are more common. The application process feels similar, but the assessment and the right structure are different, which is why specialist guidance matters.

How much could I save by refinancing?

Every situation is different, but even a small reduction in your interest rate can make a significant difference over time. We compare your current loan against 50+ lenders and calculate whether refinancing will leave you better off after allowing for any switching costs.

What does a mortgage broker cost?

For standard residential lending, you do not pay koala financial a broker fee. We are paid a commission by the lender you choose, and we disclose that commission in writing. You receive the lender comparison, loan-structure guidance and application management without a broker fee.

Last updated: July 2026

This page is general information only. It doesn't take into account your objectives, financial situation or needs, and it isn't credit, financial or tax advice. Figures are indicative estimates that vary by lender, state and property and can change, so we confirm your real numbers before you act. For tax questions, speak to a registered tax agent or accountant. Scott Lung, credit representative 567904 of Purple Circle Financial Services Pty Ltd (Australian Credit Licence 486112).

Ready to see what’s possible?

Whether you’re ready to buy now or just want to understand your borrowing power, we’ll help you work out the next step.