Services
Investment property loans
Auzlending arranges investment loans with structures that keep your equity accessible, your tax position clean and your next purchase possible. Interest-only, offset and equity release compared across 60+ lenders.
Who this loan suits
First-time investors buying with equity from their home, owners with one or two properties who want to keep buying, and self-managed super funds looking at residential or commercial property. Rental income counts toward your borrowing power at most lenders, usually at eighty percent of the expected rent.
What you need to apply
- Photo ID, payslips or tax returns.
- Statements for your existing home loan and any investment loans.
- Current lease or a rental appraisal for the property you are buying.
- Your latest council rates notice for properties you already own.
- For SMSF loans, the trust deed and the fund's financial statements.
How we compare lenders for you
Investment lending is where lender policy differs most. Some lenders count more of the rent, some allow higher interest-only periods, some are stricter on the number of properties you hold. We match the lender to your strategy, not just the rate, and structure the loans so each property stands on its own rather than being cross-secured against your home unless you want that.
What it costs
Nothing from you for standard investment loans. SMSF loans often carry a lender fee and need legal and accounting advice from your own advisers, which we coordinate with. Investment loan rates are usually a little higher than owner-occupied rates and we show you the gap.
How long it takes
Pre-approval in two to five business days. Full approval one to two weeks. SMSF loans take longer, often four to six weeks, because of the trust paperwork.
Questions people ask
Should I use interest-only?
It keeps repayments low and can suit your tax position, but the rate is often higher and the principal does not shrink. It usually reverts to principal and interest after five years, at a higher repayment. Speak to your accountant and we will model both.
How much equity do I need to buy again?
Lenders let you borrow up to eighty percent of your existing property's value, minus what you owe, without lenders mortgage insurance. That usable equity becomes the deposit and costs for the next purchase.
Can I get a loan through my super fund?
Yes, through a limited recourse borrowing arrangement. Fewer lenders offer it and the rules are strict, so it is a specialist area. We work with lenders who still do it well.
Related: releasing equity by refinancing, commercial property loans, and the repayment calculator.
Want a real number, not a range?
A 20-minute call, no documents needed yet, no credit check.