Investment loans
Investment loans in Cairns, structured to keep working.
Whether it is your first rental or your fifth, the structure of the lending matters as much as the rate. Renaee sorts both.
Who this is for
First timers and portfolio builders.
This is for homeowners wondering if the equity sitting in their place could buy a rental. It is for first time investors who keep hearing about structure and gearing and want someone to translate. And it is for experienced investors whose loans have piled up across lenders and need a tidy up so the next purchase is possible.
Investment lending punishes a casual approach. The wrong structure can tie your home to your rental so you cannot sell one without the bank's say so on the other. The wrong lender order can cap your borrowing two properties too early. These are avoidable problems, but only before you sign.
How it works
Structure first, rate second.
The first chat covers where you are and where you want to end up. One rental as a nest egg is a different plan to a portfolio, and the lending should be built differently for each. Renaee maps your equity, your borrowing capacity across multiple lenders, and what a sensible next step looks like.
Then she structures it. Deposits drawn cleanly from equity, investment debt kept separate from your home loan, repayment types chosen on purpose. She compares investor rates across the panel, which vary between lenders far more than owner occupier rates do, and lodges the application.
Your accountant stays in the loop if you want them to be, because tax advice is their job, not hers, and the loan structure should support whatever they recommend. After settlement, the annual review covers every loan you hold, not just the newest one.
What Renaee needs from you
The paperwork, in one list
- Photo ID, a driver licence or passport
- Two recent payslips, or two years of tax returns if self employed
- Statements for every existing loan, including your home loan
- Three months of bank statements
- Council rates notices for properties you already own
- A rental appraisal or lease for the property you are buying, if you have one
Missing something? Bring what you have. Renaee will tell you what actually matters for your situation.
Common questions
Asked at most kitchen tables
Often, yes. If your home has grown in value, the gap between what it is worth and what you owe can be borrowed against for an investment deposit, so you may not need cash savings at all. Renaee works out how much usable equity you have and structures it so the loans stay clean and separate.
Regulators require lenders to hold more capital against investment lending, and lenders price interest only repayments higher again. The gap between lenders on investor rates is often wider than on owner occupier rates, which makes comparing across a panel more valuable, not less.
Interest only keeps repayments lower and preserves cash flow, which suits some investors, but you pay more interest over time and the repayments jump when the interest only period ends. Principal and interest costs more each month and builds equity. The right answer depends on your cash flow, your tax position and your plans. Renaee models both so you can see it in dollars.
Usually the cleaner structure is standalone loans secured against single properties, so you keep control when you sell or refinance one of them. Some situations genuinely suit cross collateralisation, but it should be a decision, not a default the lender chose for their own benefit. Renaee sets the structure deliberately.
Related: refinancing to release equity, commercial lending for property in a business or trust, and the Cairns suburbs where rental demand runs strongest.