Investment Property Loans

Solstice Insight

A well-structured loan doesn’t just help you buy one property—it can help you buy your next one too.

How lenders assess investment loans

Lenders look at a range of factors, including:

• Your income and employment 
• Existing debts and liabilities 
• Rental income (actual or estimated) 
• Living expenses 
• Your overall borrowing capacity

Example:

• Property value: $800,000 
• Loan balance: $500,000 
• Useable Equity: $140,000 (80% of property value $640,000 less loan $500,000) 

A portion of this equity may be available to use as a deposit or costs for your investment purchase.

Why this matters

Using equity can allow you to:

• Invest without needing a large cash deposit 
• Keep your savings intact 
• Enter the market sooner 
• Build your portfolio more strategically 

Solstice Insight

Equity is often the key that unlocks your next investment opportunity.

Split loans

• Combine fixed and variable rates 
• Provide both certainty and flexibility 

Offset accounts

• Help reduce interest while keeping funds accessible

Common mistakes we see

• Not structuring the loan correctly from the start 
• Cross-securitising properties (limiting flexibility) 
• Using the wrong lender for future plans 
• Not considering long-term portfolio growth 
• Focusing only on interest rate—not strategy

What it’s like to work with us

1. We start with your goals and investment plans 
2. We assess your borrowing capacity and equity 
3. We design a tailored lending strategy 
4. We guide you through the purchase process 
5. We help you plan for your next investment