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Smarter Finance for Property Investors

Strategic investment loan solutions designed to grow your portfolio, protect cash flow and maximise long-term returns.

Talk to an Investment Loan Specialist

Introduction – Investment Property Finance

Investment property finance is very different from buying a home to live in — and treating it the same way is one of the biggest mistakes investors make. The right investment home loan structure can improve cash flow, reduce tax pressure, and set you up to buy again sooner. The wrong one can quietly limit your borrowing power for years.

At Grange Finance, we specialise in property investment finance strategies that align with your income, tax position and long-term goals. Whether you’re buying your first investment property or expanding an existing portfolio, we focus on structuring loans that work today and still make sense five or ten years from now.

Who This Service Is For

This service is designed for buyers who understand that investment property is not just about buying an asset — it’s about structuring finance correctly from day one.

If you’re purchasing your first investment property, we help you understand how lenders assess rental income, how much deposit you really need, and how to structure the loan so it doesn’t restrict your future borrowing power.

For existing investors, this service is ideal if your portfolio has grown, your income has changed, or your current loans were set up without a long-term strategy in mind. Many investors come to us after realising their bank loan is limiting their ability to purchase again — even though their property has grown in value.

We also work closely with high-income professionals, self-employed borrowers, and portfolio investors who need tailored investment loan solutions beyond standard bank products.

Investment Loan Options

There is no “best” investment loan — only the right loan for your strategy. Common investment loan options include:

  • Interest-only investment loans to improve short-term cash flow

  • Principal & interest loans for long-term debt reduction

  • Variable rate investment loans for flexibility and offset usage

  • Fixed rate investment loans for repayment certainty
  • Split loans to balance risk and flexibility

  • Offset accounts linked to investment loans

  • Multiple loan splits to separate personal and investment debt correctly

We assess which structure supports your cash flow, tax strategy and next purchase — not just the lowest headline rate.

Tax & Cash Flow Considerations

One of the biggest advantages of property investment is how finance, tax and cash flow work together – but only if loans are structured properly.

Interest on investment property loans is generally tax-deductible, which means how your loan is set up can significantly impact your after-tax position. This is where many investors go wrong – mixing personal and investment debt, paying down the wrong loan, or using offset accounts incorrectly.

At Grange Finance, we work alongside your accountant’s advice to ensure your investment loan structure supports cash flow efficiency. We look at rental income, holding costs, interest deductibility and repayment structure so your property supports your lifestyle – not drains it.

The goal is not just owning an investment property – it’s owning one that performs financially.

Refinancing Investment Properties

Many investors refinance not because they want a lower rate – but because their current loan structure no longer supports their goals.

Investment property refinancing can allow you to:

  • Access usable equity for future purchases
  • Improve cash flow with a better loan structure
  • Separate loans correctly for tax clarity
  • Switch from restrictive bank policies to more flexible lenders

We regularly see investors with strong equity and income who are “stuck” simply because their original loans were set up without a growth strategy. Refinancing an investment property — when done strategically — can reset your borrowing capacity and unlock your next opportunity.

Why Choose Us for Investment Loans

✔ Investment-Focused Strategy

We structure loans with growth, cash flow and future purchases in mind — not just approval.

✔ Access to 50+ Investment Lenders

From major banks to specialist investment lenders, we source competitive and flexible options.

✔ Experience with Complex Portfolios

We regularly work with multi-property investors, trusts, self-employed borrowers and high-income professionals.

✔ Long-Term Support

We review your loans as your portfolio grows — not just at purchase or refinance time.

Benefits of Working with Grange Finance

  • Strategic investment loan structuring from day one
  • Improved cash flow and borrowing power
  • Access to lenders beyond retail bank branches
  • Finance aligned with tax and investment strategy
  • Reduced risk of future lending roadblocks
  • Ongoing support as your portfolio evolves

FAQs

  • 1. How are investment property loans different from home loans?

    Investment loans have different interest rates, assessment criteria and tax considerations compared to owner-occupied loans.

  • 2. Can rental income be used to increase borrowing power?

    Yes — lenders typically use a percentage of rental income when assessing serviceability.

  • 3. Is interest-only better for investment properties?

    It depends on your cash flow, tax position and long-term strategy — there’s no universal answer.

  • 4. Can I refinance an investment property to buy another one?

    Yes, if there is sufficient usable equity and your income supports the additional lending.

  • 5. Should I use an offset account with an investment loan?

    In many cases, yes — but it must be structured correctly to maintain tax effectiveness.