Buying an investment property is not just for "investors"
Investors have different needs to first home buyers. Rental yield, tax benefits, cash flow, long term plans - we walk you through each part so you can make a clear decision.
Investment loans made simple
Buying an investment property can help you build long term wealth, but the loan side can feel confusing if you're doing it on your own. At STE Lending, I help you understand your borrowing power, compare lenders, and choose the structure that lines up with your goals.
You might be buying your first investment property. You might be adding to your portfolio. You might be tapping into equity to buy again. Whatever your starting point, I help you set things up properly.
What we look at together
Your borrowing power
Each lender calculates investment income differently. Some shade rent, some don't. I compare them for you so you know your true numbers.
Your loan structure
Principal and interest or interest only. Fixed, variable, or a split. Each option impacts your cash flow and long term plans.
Your equity position
If you already own a home, you may be able to use equity to cover part or all of your deposit. I check what's possible and what each lender allows.
Rental income
Lenders use different rules for rental income and rental appraisals. I show you how this affects your borrowing power and repayments.
Costs and cash flow
Investing comes with ongoing costs. I help you map out the numbers so you understand what the property will cost you each week.
Interest only loans and tax deductions
Many investors choose interest only loans because they reduce repayments in the early years and improve cash flow. With interest only, you're paying just the interest for a set period before switching back to principal and interest.
Lower repayments can give you room to renovate, save for your next property, or improve cash flow across your portfolio.
The interest on an investment loan is generally tax deductible, which is why interest only can make sense for some investors. You can claim the interest against your rental income, which may reduce your taxable profit.
It still needs a plan behind it. I show you how interest only affects your cash flow today and your repayments in the future, so you know exactly where you stand.
Thinking about buying an investment?
Book a chat - I'll show you what you can borrow, how the loan would look, and whether the numbers stack up for the property you want.
Frequently asked questions
The questions we hear most often from property investors.
How much deposit do I need for an investment property?
Most investors aim for a 10 percent to 20 percent deposit. Some lenders allow higher LVRs, but the rate and borrowing power can change. I show you what's possible with your income and equity.
Can I use equity from my home to buy an investment property?
Yes. Many investors use equity instead of cash savings. I check how much equity you can release and which lenders support it.
Interest only vs principal and interest for investment loans?
Interest only keeps repayments lower and improves cash flow. Principal and interest pays down the loan faster. I walk you through the numbers so you can pick the structure that works for your goals.
How do lenders calculate rental income?
Some lenders use the full rental amount, others shade it to allow for vacancies and costs. This can change your borrowing power quite a bit. I compare the rules across lenders so you know your true capacity.
Can I buy an investment property as my first purchase?
Yes. Plenty of people start with an investment property instead of a home. Borrowing rules are slightly different, but I show you what's possible and how to structure it.
STE Lending Pty Ltd Credit Representative Number 562710 of QED Credit Services Pty Ltd, Australian Credit Licence Number 387856.