Jose Poly
Director & Mortgage Broker
- First home buyers
- Refinancing
- Investment lending
Investment Loans
Investment lending with the structure thought through
An investment loan isn't just a home loan with a different name on the application. Structure, offset strategy and how the debt sits alongside your own home can affect your tax position and your ability to buy again. Because Influx pairs mortgage broking with accounting through OneHQ, we set up investment lending with the whole picture in view.
Who this is for
- First-time investors using equity in their own home
- Owners converting a previous home into a rental
- Investors adding their second or third property
- Buyers weighing up a new build versus an established rental
The usual sticking points
Structure mistakes are expensive to unwind
Mixing personal and investment debt, or paying down the wrong loan first, can permanently muddy the deductibility of your interest.
Lenders treat investors differently
Investment loans often carry different rates, and lenders vary in how much rental income they'll count and how they view interest-only terms.
Borrowing capacity gets complicated
Existing loans, rental income shading and assessment buffers mean your capacity for the next purchase differs wildly between lenders.
How Influx helps
What we actually do about it
Lending and tax on the same page
We structure loans with your accountant in the room — literally, since OneHQ Accounting is part of the same team. Deductible and non-deductible debt stay cleanly separated.
Equity strategy, not just an equity loan
We work out how much usable equity you have, how to release it without cross-collateralising unnecessarily, and how the next purchase fits.
A lender matched to your portfolio plans
If you plan to buy again, the order in which you use lenders matters. We sequence applications to protect your future borrowing capacity.
Step by step
How the process runs
You'll know what's happening at every stage — this is the map.
- 1
Strategy session
Your goals, current equity and borrowing position — mapped in one conversation.
- 2
Structure design
Loan splits, offsets and security setup designed for clean tax treatment.
- 3
Lender comparison
Options compared on rate, rental income policy and portfolio fit.
- 4
Application to settlement
We manage the approval, valuation and settlement timeline.
- 5
Portfolio reviews
Regular check-ins on rates, equity and readiness for the next move.
Worth knowing
Key considerations before you start
- Interest-only periods lower repayments now but increase them later; lenders limit their length.
- Cross-collateralising properties can limit flexibility — it's often avoidable.
- Rental income is usually "shaded" by lenders (only a portion counted) when assessing capacity.
- Tax outcomes depend on your circumstances — specific tax advice comes from a registered tax professional.
The information on this page is general in nature and does not take your personal objectives, financial situation or needs into account. Consider whether the information is appropriate for your circumstances and seek advice before acting on it. Lending criteria, fees and charges apply to all loan products.
FAQs
Investment Loans questions, answered
How much equity do I need to buy an investment property?
As a rule of thumb, lenders let you borrow against your home up to 80% of its value without LMI. The usable portion above your current loan can fund the deposit and costs on an investment purchase. We calculate your exact position across lenders.
Should my investment loan be interest-only?
Interest-only maximises cash flow and keeps repayments focused on non-deductible debt, but rates are often slightly higher and repayments jump when the period ends. It suits some strategies and not others — we model both with your accountant.
Can I use my super to invest in property?
Borrowing inside a self-managed super fund is a specialised area with strict rules and is not right for everyone. If it's on your mind, we'll refer the advice components to appropriately licensed professionals and handle the lending mechanics only where suitable.
Do you help with tax on investment properties?
Yes — through OneHQ Accounting, the accounting arm of our group, which handles investor tax returns, depreciation schedules coordination and planning alongside your lending.
Your specialist
Who you'll be working with
Related services
Also worth a look
Refinancing
Is your home loan still competitive? Influx Financial compares refinance options across a wide lender panel and shows the real savings after costs.
Learn moreAccounting & Tax
Tax returns, planning and business accounting through OneHQ Accounting — coordinated with your lending so both sides work together.
Learn moreCommercial Loans
Commercial property purchases, owner-occupied premises and business lending compared across banks and specialist lenders.
Learn moreHelpful reading
Loan basics
Offset accounts explained: how they work and when they beat redraw
An offset account can quietly save years of interest — if you use it right. How offsets work, offset vs redraw, and who benefits most.
Read article → Refinancing
What does refinancing actually cost? The full list
Discharge fees, break costs, government charges and the loyalty-tax maths — every cost of switching home loans, and how to work out your break-even point.
Read article →Plan your next purchase properly
Book a free session to map your equity, borrowing capacity and loan structure before you start looking.
Or send an enquiry and we'll call you back.