Investment property loans in Sydney and NSW. We compare investment loan rates, interest-only options, portfolio lending and equity strategies from 30+ lenders - and structure loans for long-term wealth creation, not just today's rate.
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No credit check, no obligation. Tell us about your portfolio and next purchase — we’ll outline your options.
“Just tell us what you're buying, we'll match you to the right lender. No pressure, no obligation.”
Sumit · Director & Senior Loan Specialist
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A quick look at what investment loans are and how we help. We compare 30+ lenders and structure loans for portfolio growth, tax efficiency and long-term strategy.
Sumit
Director & Senior Loan Specialist
Rohan
Asset Finance Specialist
Kathryn
Settlement & Client Liaison
Why work with us
A quick look at how investment property loans work. We structure loans for portfolio growth, cash flow, and tax efficiency — and compare options from 30+ lenders.
An investment property loan funds a property you rent out rather than live in. Lenders assess investor loans differently — pricing them slightly higher than owner-occupier loans and focusing on rental income, existing debts and your overall portfolio. We match you to lenders whose policies support your strategy, from first investment to multi-property portfolios.
Variable and fixed rate loans, split loans, principal and interest or interest-only, construction loans for new builds, and portfolio lending for multiple properties. We help you choose structures that balance cash flow, risk and flexibility.
Building beyond one or two properties requires careful lender selection, avoiding cross-collateralisation where possible, and planning around APRA's DTI and serviceability settings. We structure loans to keep borrowing capacity open for future purchases.
We work with your accountant to model negative gearing, interest-only vs principal and interest, and how depreciation affects your after-tax position — so you understand both cash flow and tax outcomes before you commit.
As of 2025–26, typical variable investor rates range from ~5.79%–6.80% p.a. for principal and interest, and slightly higher for interest-only. LVR, loan size, property type and your profile all affect pricing. Use our Borrowing Power Calculator to estimate capacity, then speak with us for strategy and lender options.
Start Here
Tell us about your current portfolio and next purchase — we’ll structure the right investment loan and lender strategy.
“Just tell us what you're buying, we'll match you to the right lender. No pressure, no obligation.”
Sumit · Director & Senior Loan Specialist
By submitting, you agree to our privacy policy and terms of service.
From your first investment property to a multi-property portfolio, we structure loans to support both your tax strategy and long-term growth.
Standard variable loans with offset accounts and extra repayment flexibility; fixed rate loans for 1–5 years to lock in certainty; and split loans combining the best of both. We help balance cash flow flexibility with rate protection.
Investment loans — full guide →Interest-only periods can improve cash flow and maximise negative gearing; principal and interest reduces debt and lifetime interest. We model both against your tax position and goals before recommending a structure.
Construction loans for new investment builds, and portfolio lending strategies for multiple properties, avoiding unnecessary cross-collateralisation and planning around APRA's DTI settings.
Unsure which option suits your next purchase? Get a free strategy call and we'll walk through your options.
Investment property loans are designed for properties you rent out. The income from the property and your broader financial position determine how much you can borrow - and how the loan should be structured.
Investor rates are slightly higher than owner-occupier rates and vary with LVR, loan type and repayment structure. Lower LVRs and principal and interest often mean sharper pricing; higher LVRs or interest-only structures cost more but can free up cash for growth. We treat rate and LVR as tools inside your investment strategy, not just numbers.
Each lender treats rental income, existing debt and expenses differently. Some shade rent more heavily; others are friendlier to investors with multiple properties. We choose lenders whose models support your current and future plans.
Negative gearing, depreciation and CGT rules all interact with your loan structure. We work with your accountant so your lending strategy and tax strategy are pulling in the same direction.
We work with investors at every stage:
Borrowers buying their first investment property, often while still renting or living in an existing home. We explain cash flow, negative gearing and lender policy before you commit.
Homeowners moving to a new residence and keeping their existing property as an investment. We restructure loans to separate deductible and non-deductible debt correctly.
Investors aiming for 3–10+ properties over time. We plan lender selection, equity release and security structure so future purchases remain possible.
Business owners and self-employed investors whose income doesn’t fit neat PAYG templates. We work with specialist lenders who understand complex income.
Borrowers using SMSFs to purchase residential or commercial investment property. We arrange LRBA loans and coordinate with your SMSF accountant and adviser.
If you're planning your first investment or scaling an existing portfolio, get a free assessment and we'll outline a strategy.
“We help investors structure loans for growth — the right lender, the right product, and a clear plan for your next purchase after this one.”
Sumit · Director & Senior Loan Specialist
Free strategy call - no obligation
Tell us about your investment goals and we’ll map out your borrowing capacity and lender options.
By submitting, you agree to our privacy policy and terms of service.
We assess your full position, structure a strategy for this property and the next, then manage the approval and settlement process.
We discuss your goals, current properties, income, debts and timeframe, then calculate capacity across multiple lenders.
We shortlist lenders whose policies support your current and future plans (including how they treat rental income and existing debt) and recommend suitable loan types.
We provide a clear checklist and prepare a complete application, including rental estimates, statements and any portfolio details.
We manage valuation, handle lender questions and coordinate with your conveyancer so settlement is smooth.
We monitor opportunities to refinance, release equity, or restructure loans as rates and your portfolio evolve.
Lenders assess income (including shaded rental income), employment stability, existing debts, living expenses, deposit/equity, credit history, and property type. They apply a 3%+ serviceability buffer above the actual rate and DTI considerations for larger portfolios. A solid deposit (often 10–20% or more), manageable existing debt and clean credit all help.
Self-employed and complex-income borrowers are welcome — we work with lenders who understand business and investment income. We assess your full profile and tell you realistically what you can borrow before you start making offers.
We're based in Norwest in the Hills District and work with investors buying across Greater Sydney - from the North Shore and Inner West to Western Sydney, the CBD and coastal suburbs - as well as regional NSW and interstate markets. Sydney's mix of capital growth and rental demand makes it a core focus for many portfolios.
Whether you're buying locally or interstate, we bring the same strategy-first approach and access to 30+ lenders.
We specialise in investment and portfolio lending - not just one-off home loans - and we treat every approval as part of a longer-term strategy.
We work with major banks and specialist non-banks that actively support investors and portfolio lending. Different lenders suit different strategies; we match them accordingly.
We start with your end goal — number of properties, timeframe, risk tolerance — then design loan structures and lender selection to support that path.
We don’t give tax advice, but we do coordinate with your accountant and ensure loan structures support negative gearing, depreciation and CGT planning.
As your portfolio grows, we review rates, restructure where needed and help you release equity for the next opportunity.
Our service is free to you. We’re paid by the lender when your loan settles, so you get strategy, comparison and management at no direct cost.
Hundreds of Sydney investors have trusted us with their first investment loan and the ones that followed.
5.0 out of 5, based on 340+ verified Google Reviews.
Based on 340+ verified Google Reviews.
"We can't thank Sumit enough for helping us secure our first home - especially in such a tough and competitive market. He truly went above an…"
Read more"We had a great experience with Sumit and his team. We can't express enough how grateful we are to them, as they did a really splendid job! H…"
Read more"Working with Sumit Joshi & co was a fantastic experience. They were very professional, knowledgeable, and made the whole process stress-free…"
Read more"I had an absolutely outstanding experience with RyRo Loan Centre and I cannot thank Sumit enough for his incredible support throughout my in…"
Read more"Sumit made the entire property purchasing process smooth and stress-free. Always professional, responsive, and genuinely helpful, he went ab…"
Read more"Our experience with Sumit and his team was wonderful. They guided us from start to finish in a professional and unbiased manner. They are a…"
Read more"It's been an amazing experience working with Sumit, he helped me through initial Mortgage loan and recently in refinancing my loan. He helpe…"
Read more"As recent migrants from New Zealand, my wife and I were navigating the complex Australian property market for the first time, and we couldn'…"
Read more"I had an amazing experience working with Sumit to secure a loan for my first home. From start to finish, he made the process smooth, stress-…"
Read more"Sumit Joshi is our trusted mortgage broker, we have used his services for the last 8 years and he has always guided us in the right directio…"
Read more"As first-time homebuyers, we were initially unsure about which mortgage broker to choose, and we had a few lined up to discuss our needs. Su…"
Read more"I had an outstanding experience working with Vijay Dhingra from RyRo loan centre from start to finish. They made the entire mortgage process…"
Read more"Sumit and his team were super helpful throughout the entire loan approval process. Always prompt with responses and super convenient to deal…"
Read more"First of all heartiest thanks Sumit for making our journey to get loan approval so smooth and in really very comfort zone, since I am in Aus…"
Read more"I had an amazing experience working with Sumit while buying my first home! From the very beginning, he was incredibly responsive and always…"
Read more"Thank you so much Sumit, Dean, Kathryn and the team at RyRo. You guys have been excellent and thorough professionals. Highly recommended for…"
Read more"Sumit and team gave as an amazing experience, even after we decided to back out of our first purchase , I reached out to Sumit a year or two…"
Read more"I had an exceptional experience with RyRo Loan Centre, and I wholeheartedly recommend their services. Sumit and his team were not only highl…"
Read more"I had an amazing experience with Sumit! The whole process was smooth, professional, and stress-free. He was incredibly helpful every step of…"
Read more"I can't recommend Sumit enough! As a first-time home buyer, I was nervous about the whole process, but he made everything so easy and straig…"
Read moreWe keep investment lending simple, even when the strategy is sophisticated.
Initial strategy call - we understand your goals, timeframe and current position.
We map your borrowing capacity and lender options across our panel.
We prepare and lodge your application with the lender best suited to this property and your broader plan.
We manage valuation, approval and settlement alongside your conveyancer and any buyer’s agent.
Post-settlement, we review your portfolio regularly and help you plan the next move.
Ready to plan your next investment move? Get a free strategy call.
Answers on demand
Common questions about investment loans, portfolio lending, negative gearing and how we help Sydney and NSW investors structure their finance.
Why people ask
Our team
Sumit
Director & Senior Loan Specialist
Rohan
Asset Finance Specialist
Kathryn
Settlement & Client Liaison
Need something answered live? Talk to our team
Start here
Tell us about your current portfolio and goals — we'll outline what you can borrow and the best structure for your next move.
By submitting, you agree to our privacy policy and terms of service.
Use our tools to estimate how much you can borrow and what repayments might look like before you commit.
Explore our investing sub-pages, or other lending categories that often support investors.
Join 2,000+ Australians who've trusted RyRo Loan Centre. $0 fees. Expert advice. No credit check.
“Whether you're buying your first investment property or your fifth, we structure loans for long-term growth, not just today's rate.”
Sumit · Director & Senior Loan Specialist
Meet the team
Rohan
Asset Finance
Helping clients secure the right equipment and vehicle finance.
Kathryn
Settlement Liaison
Keeping your settlement on track from application to keys.
Free strategy call - no obligation
We'll call you to discuss your portfolio and next steps. No obligation.
By submitting, you agree to our privacy policy and terms of service.