Investment Property Loans
Looking to build wealth through property? Our Melbourne-based mortgage brokers specialise in investment property loans tailored to your goals
Why investors choose Explore Lending for investment property loans in Melbourne
At Explore Lending, we understand the nuances of property investment. Whether you’re buying your first rental property or expanding your portfolio, our experienced team helps you secure the right investment home loan to match your strategy.
We’ll help you compare rates, lenders, and loan structures—so you maximise returns while managing risk.
Need advice tailored to your investment goals? Contact our team today.
Access to 40+ Lenders
Smart Loan Structuring
Residential & Commercial Support
Local Melbourne Expertise
Investment property loans tailored to your needs
Whether you’re a seasoned investor or just starting out, Explore Lending can help with a range of property investment loans:
Interest-Only Loans
Ideal for investors focused on maximizing cash flow in the short term. With lower monthly repayments, you only pay the interest for a set period (usually 1–5 years), freeing up funds for renovations, other investments, or reducing non-deductible debt.
Principal & Interest Loans
These loans allow you to build equity from day one by gradually reducing the loan principal and interest. They’re a strong choice for long-term investors aiming to own their property outright or minimize interest paid over time.
Fixed Rate Loans
Lock in your interest rate for a set term (e.g. 1–5 years), providing certainty and stability in your repayment amounts. Fixed rate investment loans can help with budgeting and protect against future rate rises.
Variable Rate Loans
Flexible loans where the interest rate can move up or down with the market. These often come with features like offset accounts, redraw, and extra repayment options—great for investors who want to stay agile.
Working with a local investment mortgage broker in Melbourne makes a difference
Navigating investment loans can be complex—but with Explore Lending on your side, you don’t have to do it alone.
Our local team brings deep insight into Melbourne’s property landscape. We partner with you to:
Step 1: Understand your investment goals and risk tolerance
Step 2: Structure your loans for future borrowing power
Step 3: Optimise cash flow through strategic loan selection
Step 4: Handle paperwork, approvals and lender communication
What our clients say about working with Explore Lending
Whether it’s securing a first home loan, refinancing for a better rate, or investing in property, we’re proud to guide clients through each step with confidence and clarity. Here’s what a few of them have to say:
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Investment property frequently asked questions
Got questions about investment property loans? You’re not alone. Whether you’re a first-time investor or expanding your property portfolio, understanding the ins and outs of investment finance is key to making smart decisions. We’ve compiled answers to the most common questions our Melbourne-based mortgage brokers hear—so you can move forward with clarity and confidence.
What is an investment proprty loan?
An investment property loan is a type of home loan used to purchase real estate that’s intended to generate rental income or capital growth. These loans are structured differently from owner-occupier loans and may require a larger deposit or different interest rates.
How much deposit do I need for an investment property loan in Melbourne?
Most lenders require a minimum 10–20% deposit for investment property loans in Melbourne. However, your exact deposit will depend on the loan type, your financial profile, and whether you’re using equity from another property.
What’s the difference between an investment loan and an owner-occupier loan?
Investment loans are used for properties that are rented or held for capital growth. They often come with slightly higher interest rates or stricter lending criteria than owner-occupier loans, which are for homes you live in.Yes. Some homeowners refinance with their existing lender to negotiate a better deal—especially if they’ve built equity or improved their credit score.
Can I use equity from my current home to invest in property?
Potentially – Many Melbourne investors use existing equity in their home to secure investment property finance. An experienced investment mortgage broker can help you access equity safely without overextending.
Are investment property loans tax deductible?
In many cases, the interest on investment property loans is tax deductible. However, this depends on your situation and how the property is used. It’s always best to speak with a tax advisor or accountant.
Should I choose a fixed or variable interest rate for my investment loan?
This depends on your goals. A fixed rate offers certainty in repayments, while a variable rate provides more flexibility and features. Our team can help you compare options to find the right structure for your property investment.
Can I buy a commercial investment property with a residential loan?
Typically no. Commercial investment properties usually require a different loan product with higher deposit requirements. We help investors explore both residential and commercial property finance options across Melbourne.Yes, refinancing is one way to access built-up equity for renovations, investments, or other big expenses. This is known as a cash-out refinance.
How can a mortgage broker help with investment property loans?
An experienced Melbourne-based investment mortgage broker can give you access to 40+ lenders, tailor your loan structure for future portfolio growth, and help you make confident decisions aligned with your strategy.
Start your investment property journey today
Ready to take the next step? Our team is here to support you through every stage—from exploring loan options to settlement.
Whether you’re investing in your first property or refinancing your current investment loan, we’ll help you make the smartest move.
