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Investment Loans

Investment Property Loans in Western Sydney

Buying an investment property is one of the biggest wealth-building decisions you’ll make, and how your loan is structured matters just as much as the rate. At Better Borrowing, Penrith-based broker Ben Leyshon helps Western Sydney investors compare 40+ lenders, structure their borrowing for the long term. In most cases there’s no cost to you, because the bank pays the broker.

From your first investment property to growing a portfolio, we’ll help you borrow in a way that supports your strategy. 

It's what we do:

Why People Invest In Property, and Borrow To Do It

Property investment isn’t one-size-fits-all. These are the most common reasons Western Sydney investors come to us for finance:

  • Building long-term wealth, using property as a vehicle for capital growth over time.
  • Generating rental income, buying a property that produces ongoing cash flow to supplement income or offset the loan.
  • Leveraging equity in an existing property, using the equity you’ve already built (in your home or another investment) as the deposit for the next one, rather than saving from scratch.
  • Tax considerations, many investors structure their borrowing with negative or positive gearing in mind. We’ll structure the loan to support the strategy you and your accountant decide on.

How Investment Loans Differ From a Standard Home Loan

Investment lending has its own rules, and getting the structure right early saves money and headaches later:

  • Interest-only options — many investors choose interest-only repayments for a period to maximise cash flow and tax efficiency, where appropriate for their strategy.
  • Rates and policy — investment loans are often priced differently to owner-occupier loans, and lender policies on borrowing capacity, rental income and deposit vary widely — which is exactly where comparing 40+ lenders pays off.
  • Loan structure — how you split, offset and structure multiple loans can have a real impact on flexibility, tax and your ability to buy again.
  • Using equity — instead of a cash deposit, many investors release equity from an existing property to fund the deposit and costs on the next one.

How It Works In 4 Simple Steps

  1. Book a free strategy call. Tell us about your investment goals and where you’re starting from. 15 minutes, no obligation.
  2. We map your position and strategy. We look at your borrowing capacity, your equity, and how this purchase fits your bigger plan.
  3. We compare 40+ lenders. We find the right loan, structure and rate for an investor in your situation — and handle the paperwork and the lender.
  4. We set you up to grow.
Free Loan Assessment

Why Better Borrowing?

  • Access to 40+ lenders, investor policies vary enormously between lenders; we find the ones that say yes to your situation.
  • Structure-first thinking, we look beyond the rate to how your loans are structured, so you keep your options open for the next purchase.
  • Local Western Sydney knowledge, Ben is Penrith-based and understands the local market investors are buying in.
  • No cost to you in most cases, we’re paid by the lender when your loan settles.
  • 5.0 Google rating from clients across Western Sydney.

Frequently Asked Questions

How much deposit do I need for an investment property?
Most lenders require at least a 10–20% deposit for an investment property, plus costs such as stamp duty and legal fees. However, many investors use equity in an existing property instead of a cash deposit, which can let you buy without saving a new deposit from scratch. We’ll work out the most efficient way to fund your purchase.
Can I use the equity in my home to buy an investment property?
Yes. Releasing equity from your home or another property is one of the most common ways Australians fund an investment purchase. By refinancing or restructuring your existing loan, you can access the equity you’ve built and use it as the deposit and costs on your next property, subject to your borrowing capacity and lender approval.
Should I choose interest-only or principal-and-interest repayments?
It depends on your strategy. Interest-only repayments keep your repayments lower and can be more tax-effective for investors, which helps cash flow, but you’re not reducing the loan balance during that period. Principal-and-interest repayments cost more month to month but build equity faster. The right choice depends on your goals and your accountant’s tax advice, we’ll structure the loan to suit.
Are investment loan interest rates higher than home loan rates?
Investment loan rates are often slightly higher than owner-occupier rates, and lenders price them differently from one another. This is one of the main reasons it pays to compare across many lenders rather than accepting your existing bank’s investor rate, the difference over the life of the loan can be significant.
Does it cost anything to use a broker for an investment loan?
In most cases there’s no cost to you, because the lender pays the broker a commission when the loan settles. If a fee ever applied, we’d tell you upfront and you’d have to agree before we started any work.

General information only. Leybel Consulting Pty Ltd (ABN 90 660 320 632) trading as Better Borrowing, Credit Representative [542864 — confirm], is authorised under Australian Credit Licence 389328 [Connective Credit Services Pty Ltd]. This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. Consider whether it is appropriate for your circumstances; your full situation will need to be reviewed before any offer or product is accepted. It does not constitute legal, tax or financial advice, and you should seek independent tax advice regarding any investment strategy. All loan products are subject to lender terms and conditions, fees and charges, and eligibility criteria.

Get in Touch.

Book a convenient time into Ben's calendar below to find out
your borrowing capactiy, or review your existing loans.

 

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Disclaimer

Leybel Consulting Pty Ltd (90 660 320 632) trading as Better Borrowing (542864) is authorised under Australian Credit Licence 389328. Disclaimer statement: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Each application is subject to lenders terms and conditions, fees and charges and eligibility criteria apply.