Investment Loans
Finance structured around your investment strategy
Whether it's your first investment property or an addition to a growing portfolio, how the loan is structured matters as much as the rate you get.
Investing on the Fraser Coast
Hervey Bay and Maryborough attract investors for different reasons — Hervey Bay's tourism and retiree population supports steady rental demand in the beachside suburbs, while Maryborough's more affordable price point can suit investors chasing yield over capital growth. We don't advise on which property to buy, but we do make sure the finance behind it is structured properly for whichever strategy you're pursuing.
Getting the structure right matters
- ✓ Using equity from an existing property instead of a fresh cash deposit
- ✓ Choosing between interest-only and principal and interest based on your cash flow goals
- ✓ Keeping loans and ownership structured to support a second or third property later
- ✓ Understanding how lenders treat rental income (or projected rental income) in servicing calculations
Building a portfolio
If this isn't your first investment property, the questions change — it's less about "can I borrow" and more about "how do I structure this so I can keep growing." We look at your whole position, not just the next purchase in isolation.
Talk through your investment finance
Tell us a bit about what you're after and we'll be in touch within one business day.
Common questions
Investment loan questions
How much deposit do I need for an investment property?
Typically 10-20%, though it varies by lender and whether you're using equity from an existing property. We'll map out your options based on what you already own.
Can I use equity in my home to buy an investment property on the Fraser Coast?
Often, yes. If your existing home has grown in value, you may be able to use that equity toward a deposit rather than saving cash from scratch. We can assess this as part of your free consultation.
Is Hervey Bay a strong rental market?
We're brokers, not property advisors, so we won't spruik locations — but we can talk through how different lenders assess rental yield and vacancy risk for Fraser Coast postcodes as part of your loan structuring.
Should I use an interest-only or principal and interest loan for investment?
It depends on your strategy — cash flow now versus paying down debt faster. We'll explain the trade-offs rather than defaulting to whichever is easiest to sell.
Thinking about an investment property?
Get your finance structured properly before you start looking, not after you've found the property.
Get my free assessment