Designed for investors in the residential rental market, these loans offer flexibility and features tailored to residential property investments. They cater to a range of property types including houses, apartments, and units.

Key features may include:

• Competitive interest rates
• Choice of variable, fixed, or split rate options
• Interest-only repayment periods available
• Ability to use equity from existing properties
• Offset account options to help manage interest costs
• Loan terms up to 30 years

Whether you’re purchasing your first investment property or adding to your portfolio, these loans can be structured to align with your investment strategy.

Tailored for those venturing into commercial real estate, these loans address the unique aspects of commercial property investment. They’re suitable for various property types including office spaces, retail shops, industrial warehouses, and mixed-use developments.

Key features may include:

• Higher loan amounts to match commercial property values
• Longer loan terms, potentially up to 25-30 years
• Interest-only options for initial periods
• Ability to finance property improvements or renovations
• Specialised repayment structures to match rental income patterns
• Options for non-recourse lending (subject to conditions)

These loans can be customised to suit the specific needs of your commercial property investment, whether it’s a standalone building or part of a larger development.

Designed for investors managing multiple properties, these loans offer a streamlined approach to financing your property portfolio. By consolidating multiple investments under one facility, you can simplify your lending arrangements and potentially access more favourable terms.

Key features may include:

• Single loan facility covering multiple properties
• Potential for improved interest rates based on total borrowing
• Simplified management with one loan, one repayment, one set of paperwork
• Flexibility to add or remove properties from the facility
• Ability to mix and match loan features across your portfolio
• Potential for increased borrowing capacity

This type of loan can offer greater efficiency and flexibility in managing your property investment portfolio, especially as it grows over time.

These loans allow you to revise your existing investment loan arrangements, potentially taking advantage of better terms or accessing equity you’ve built up in your properties.

Key features may include:

• Opportunity to secure a more competitive interest rate
• Access to new loan features or products
• Ability to consolidate multiple loans into one
• Option to switch between variable and fixed rates
• Possibility to access equity for further investments or improvements
• Potential to adjust loan terms or repayment structures

Refinancing can be a way to optimise your investment loan structure as your portfolio and the market evolve.

These loans give you the option to make interest-only payments for a set period, typically up to 5 years. This structure can be useful in certain investment scenarios, potentially helping to manage cash flow or maximise tax deductions (consult your tax advisor for specifics).

Key features may include:

• Lower repayments during the interest-only period
• Option to switch to principal and interest repayments at any time
• Ability to use in conjunction with an offset account
• Possibility to free up cash for other investments or property improvements
• Flexibility to align with short-term investment strategies

Interest-only loans can be particularly useful for investors undertaking renovations, or those focusing on capital growth strategies. However, it’s important to consider the long-term implications of not paying down the principal during the interest-only period.