The investment property finance guide.
From the first purchase to the fifth, how you structure your investment loans is the biggest single factor in whether a portfolio can keep growing.
The decisions that compound.
The structural decisions you make on your first investment property stay with you for years. Who owns it: you, a trust or a company. Whether the loan is crossed with your owner-occupier loan. Interest-only or P&I. The split structure you set up. Whether the offset sits against the investment loan or the home loan. Each of these helps or hurts your ability to grow the portfolio 3 to 5 years later.
Serviceability starts to bite.
By the second or third purchase, the decisions you made on the first property start to matter. Banks' serviceability calculators treat existing debt harshly, and going back to the same bank for each purchase makes it worse. Moving between lenders, depending on whose calculator treats your income mix best, gives you more room than a single-lender strategy can.
Scaling to a portfolio.
At 4 or more properties, most investors hit the limit of what the banks' serviceability calculators will allow. This is where non-bank lenders come in. Their calculators are more flexible, at a small rate premium. It's also the point where debt recycling, structured splits and careful ownership planning decide whether a portfolio stalls or keeps growing. This guide is a companion to our portfolio lending page.
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