Home loans by choice

Investing in property made simple

Compare investment property loan options and structures. Learn how to use equity, understand repayments and explore property investment opportunities.
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Investing in property can be a powerful way to build long term wealth and create additional income. Whether you are buying your first investment or expanding your portfolio, we help you compare loan options from major banks and non bank lenders across Australia and structure your loan to suit your goals.

Understanding Investment Loans
Investment home loans are designed for properties that generate rental income. They can be structured differently to owner occupied loans depending on your strategy and financial position.

  • Interest only or principal and interest options

  • Fixed, variable or split loan structures

  • Loan features to support cash flow and flexibility

We help you understand how each option may impact your repayments and long term plans.

Using Equity to Invest
Many investors use equity from an existing property to fund their next purchase. This can reduce the need for a large cash deposit.

  • Access usable equity from your current home or investment

  • Structure loans to keep finances clear and manageable

  • Explore options that align with your borrowing capacity

What Lenders Look At
When assessing an investment loan, lenders consider several factors.

  • Your income and employment

  • Existing debts and living expenses

  • Rental income from the property

  • Credit history and deposit or equity

We guide you through this process and position your application to suit lender requirements.

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Wondering how much you can borrow?

Find out what you may be able to borrow and where you stand. Start your borrowing power check today and take the first step toward your property investment goals.

Why Work With a Broker for Property Investment

Building a property portfolio takes more than just securing a loan. The right structure and strategy can make a real difference over time.

  • Structure your loans to support long term portfolio growth

  • Explore ways to use equity to fund future purchases

  • Compare options from major banks and non bank lenders across Australia

  • Plan borrowing capacity across multiple properties

  • Ongoing support as your portfolio evolves

We work with you beyond the first purchase, helping you build and manage your investment strategy over time.

Call an expert

Our expert insights will help guide you through the process and get you to your goal sooner.

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Choice

Home Loans By Choice help you compare thousands of loan options from Australian bank and non-bank lenders, get expert help from a local mortgage broker, and explore tools to help you find, buy and own with confidence.

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ABN: 77119247997
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Able Accounting & Taxation Services Pty Ltd trading as Home Loans By Choice (ABN 77119247997) is authorised under Australian Credit Licence: 421861.

IMPORTANT NOTE: All content is general information only and is subject to change at any given time. Your complete financial situation will need to be assessed before acceptance of any proposal or product. Rates and product information should be confirmed with the relevant financial institution, and you should review the PDS before you decide to purchase. Any recommendations made about a financial product are general advice only and has not taken into account your particular needs and circumstances. You should consider the Product Disclosure Statement to determine if the product is suitable for you before you decide to purchase it.

Home Loans By Choice compares loan options from a range of lenders but may not consider all products available in the market. If you choose to proceed, you may be connected with a licensed mortgage broker who can assist with your application. We may receive a commission if you obtain a loan through our platform. CDR data is sourced from participating Australian financial institutions in accordance with the Consumer Data Right.