Property Investor Lending

Lending built for investors - from your first investment property to multi-property portfolio restructures and SMSF strategies.

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Investment Property Loans

An investment property loan finances a property you intend to rent out. Lenders price it slightly higher than owner-occupied lending, allow interest-only repayments for 1–5 years, count 70–90% of the expected rent as income, and let you use equity in your home as the deposit. The right structure — which loan holds the deposit, whether to use interest-only, and how to keep loans uncrossed — matters more than the headline rate because it drives tax deductibility and your ability to buy again.This page is for people researching investment property loans and related options such as investment home loan, property investment finance, investment loan mortgage broker. It explains how this type of finance generally works, who it may suit, the issues that can affect lender approval, common scenarios and the steps involved from initial review through to settlement or funding.Every application is assessed on its own facts. Property or asset value, income, expenses, existing debts, credit conduct, entity structure and lender policy can all change the outcome. The information below is general and is designed to help you ask better questions before choosing a lender or loan structure.

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SMSF Property Loans

An SMSF property loan (limited recourse borrowing arrangement, or LRBA) lets your self-managed super fund borrow to buy a residential or commercial property held in a separate bare trust. Lenders typically want a 20–30% deposit from the fund, a fund balance that leaves liquidity after purchase, and rental income plus member contributions that cover repayments. Major banks have largely left this market, so it runs through specialist lenders — which is exactly where a broker earns their keep.This page is for people researching SMSF property loans and related options such as SMSF investment property loan, SMSF mortgage, SMSF commercial property loan. It explains how this type of finance generally works, who it may suit, the issues that can affect lender approval, common scenarios and the steps involved from initial review through to settlement or funding.Every application is assessed on its own facts. Property or asset value, income, expenses, existing debts, credit conduct, entity structure and lender policy can all change the outcome. The information below is general and is designed to help you ask better questions before choosing a lender or loan structure.

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Equity Release / Cash-Out Refinance

Equity Release / Cash-Out Refinance can be an important part of a broader borrowing strategy. At Derwent Finance, we help Australian borrowers understand their options, compare suitable lenders from our panel and structure finance around the outcome they are trying to achieve — not simply around a headline rate.This page is for people researching home equity release and related options such as cash out refinance Australia, access home equity, release equity home loan. It explains how this type of finance generally works, who it may suit, the issues that can affect lender approval, common scenarios and the steps involved from initial review through to settlement or funding.Every application is assessed on its own facts. Property or asset value, income, expenses, existing debts, credit conduct, entity structure and lender policy can all change the outcome. The information below is general and is designed to help you ask better questions before choosing a lender or loan structure.

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Portfolio Refinancing

Portfolio Refinancing can be an important part of a broader borrowing strategy. At Derwent Finance, we help Australian borrowers understand their options, compare suitable lenders from our panel and structure finance around the outcome they are trying to achieve — not simply around a headline rate.This page is for people researching property portfolio refinancing and related options such as investment portfolio refinance, refinance multiple properties, property portfolio loans. It explains how this type of finance generally works, who it may suit, the issues that can affect lender approval, common scenarios and the steps involved from initial review through to settlement or funding.Every application is assessed on its own facts. Property or asset value, income, expenses, existing debts, credit conduct, entity structure and lender policy can all change the outcome. The information below is general and is designed to help you ask better questions before choosing a lender or loan structure.

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Since 2017
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