The deposit needed for an investment property will depend on the lender, the property, and your overall financial position. In many cases, a 20% deposit can help you avoid Lenders Mortgage Insurance (LMI), but some lenders may accept a lower deposit depending on the scenario. At Raise The Bar Finance, we help you understand what deposit may be needed based on your borrowing capacity, available funds, and longer-term strategy. We also look at lender options carefully to help structure the loan in a way that supports your investment goals.

Yes, in some cases you may be able to use equity from your existing home to help fund an investment purchase. This can reduce or even remove the need for a separate cash deposit, depending on your position and how the loan is structured.
At Raise The Bar Finance, we help you understand how much usable equity may be available, what that means for your overall borrowing, and how to structure things properly across both properties.

Investment loans often have higher interest rates than owner-occupied home loans, as lenders generally view them differently from a risk perspective. The rate available to you will depend on factors such as your deposit size, loan to value ratio, credit profile and the lender selected. We compare investment loan options across a wide range of lenders and help you look beyond just the rate, so the loan structure also works for your cash flow and longer-term plans.

A split loan is when part of your loan is on a fixed rate and part is on a variable rate.
This can give you a mix of repayment certainty and flexibility, and may help manage the impact of rate changes on your cash flow. At Raise The Bar Finance, we can help you understand whether a split loan may suit your investment strategy.

There are costs to consider beyond the purchase price and loan repayments. These may include stamp duty, property management fees, council rates, insurance, repairs and maintenance, and periods where the property may be vacant.
At Raise The Bar Finance, we help you factor these into your planning early, so you have a clearer view of what the investment may cost to hold, not just what it costs to buy.

Like any property purchase, an investment loan comes with risk. In some cases, the rental income may not fully cover the loan repayments and other property costs, which means you may need to contribute from your own income.
If part or all of the loan is on a variable rate, repayments may also rise over time. Vacancy periods can also affect cash flow if the property is not producing rental income. Our role at Raise The Bar Finance is to help you understand these risks clearly and structure the loan with your wider financial position in mind.

It can, but the impact will depend on your investment strategy, loan structure and personal circumstances. Things like negative gearing and depreciation can form part of the picture, but they should be considered alongside quality tax advice.
At Raise The Bar Finance, we focus on helping you put the right loan structure in place and, where needed, work alongside your accountant or adviser so the finance side aligns with your broader goals.

Yes. It is important to understand the costs involved before committing to an investment loan. These may include lender fees, government charges, settlement costs and ongoing loan costs, depending on the lender and product selected.
At Raise The Bar Finance, we help you understand the key numbers upfront so you can move forward with more clarity and fewer surprises.

It can. Whether you are buying an apartment, townhouse or standalone dwelling, the property type can influence how a lender assesses the application, including deposit requirements, loan to value ratio limits and overall policy fit.
While we do not provide property investment advice, we do help make sure the finance structure suits the property you are buying and your broader investment plans.