Investment Property Loans Sydney
Build long-term wealth through property. We structure your investment loans to maximise tax benefits, borrowing capacity, and portfolio growth across 50+ lenders.
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Why Choose Simplify Finance for Investment Property Loans?
At Simplify Finance, we believe finding the right loan should be simple, transparent, and stress-free. Led by Fabio De Castro — ranked in the Top 20 out of 19,000 mortgage brokers nationally — our team brings over 15 years of experience and access to more than 50 lenders. Our service is free to you; we are paid by the lender.
Strategic Loan Structuring
We structure your investment loans to maximise tax deductions, protect your assets, and preserve borrowing capacity for future purchases.
Portfolio Growth Planning
Whether it is your first investment or your tenth, we create a lending strategy that supports your long-term property portfolio goals.
Interest-Only Options
Access interest-only repayment periods to improve cash flow and maximise your tax deductions during the wealth-building phase.
Equity Release Strategies
Leverage the equity in your existing properties to fund deposits on new investments without dipping into your savings.
Frequently Asked Questions
How much deposit do I need for an investment property?
Most lenders require a minimum 10% deposit, though 20% is recommended to avoid LMI. If you have equity in an existing property, we can often use that as your deposit.
Should I use interest-only or principal and interest?
Interest-only loans can improve cash flow and maximise tax deductions. The right choice depends on your overall financial strategy and investment timeline.
Can I buy through my SMSF?
Yes, SMSFs can borrow to purchase investment property. Learn more about SMSF loans.
How do I maximise my borrowing capacity?
Key strategies include structuring loans correctly, maintaining clean credit, reducing unnecessary debts, and choosing lenders with favourable serviceability calculators.
What tax benefits are available?
Investment property owners can claim deductions for loan interest, property management fees, repairs, depreciation, insurance, and council rates.
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