Investment Property Loan Broker in Sydney
Expert investment property loan broker in Sydney and across NSW. We compare investment loan rates from 50+ lenders, structure your loan for negative gearing and portfolio growth, and manage the process from pre-approval to settlement. Based in Norwest, Hills District.
Whether you are buying your first investment property, accessing equity to expand a portfolio, or refinancing to improve your rate and structure — we find the loan that supports your investment strategy.
Last updated: April 2026
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“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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What Is an Investment Property Loan?
An investment property loan is a home loan used to purchase a residential property you intend to rent out, rather than live in. Investment loans are priced and assessed differently from owner-occupier loans. Lenders apply higher interest rates, shade rental income in serviceability calculations (typically counting only 80%), and impose stricter debt-to-income policies for investors with multiple properties.
The interest on investment property loans is generally tax-deductible against rental income — and where expenses exceed rental income (negative gearing), the net loss can be offset against other taxable income. Loan structure (interest-only vs principal and interest, standalone vs cross-collateralised) significantly affects both your tax position and your ability to keep borrowing as your portfolio grows.
Types of investment loans we arrange
- 1
Standard investment property loans
Variable or fixed rate loans for residential investment properties. Compared across 50+ lenders for rate, features, offset account availability and serviceability treatment of rental income.
- 2
Interest-only investment loans
Repayments cover interest only for an agreed IO period (typically 1–5 years). This maximises cash flow and tax deductibility during the IO period but typically comes with a higher rate and does not reduce your loan balance.
- 3
Equity release for investment deposits
Accessing equity in your existing home or investment property to fund the deposit and costs for your next purchase. We structure both the equity release and the new investment loan together.
- 4
Investment construction loans
Construction finance for investors building a new investment property on vacant land or as part of a house and land package. New builds offer depreciation advantages (building and plant & equipment schedules) that established properties cannot match.
- 5
Portfolio / multi-property lending
Sequenced lending strategy for investors with 2+ properties. We plan each purchase to preserve future serviceability and recommend lender and structure for each loan with the full portfolio in mind.
How to Compare Investment Loan Rates
The headline interest rate is only one factor in choosing an investment loan. These are the key comparison points that actually affect your investment return:
1. Interest rate (variable vs fixed)
Variable rates offer flexibility (extra repayments, offset, redraw) but move with the RBA cash rate. Fixed rates provide certainty for a set period but limit flexibility. For investors, a variable rate with an offset account is often preferred to allow flexible debt management across the portfolio.
2. IO vs P&I pricing
Interest-only loans cost 0.1%–0.4% more than principal and interest on the same lender's investment product. The rate difference varies. We model the total after-tax cost of both over your expected holding period before recommending IO.
3. Offset account (investor tax implications)
An offset account on an investment loan reduces the effective interest rate — but also reduces the amount of interest you can claim as a tax deduction. For some investors in lower tax brackets, the tax benefit of maximising deductible interest outweighs the rate benefit of an offset. We discuss this with you before recommending loan features.
4. Lender's serviceability assessment of rental income
Different lenders shade rental income differently in their calculators. Some count 80% of the rental income; others count 70% or use DSCR-based assessments. The lender with the best rate may not give you the best borrowing capacity. We identify lenders whose rental income assessment supports your portfolio growth plan.
5. Investment property exposure limits
Some lenders cap their total exposure to investment borrowers or limit investment lending to a maximum number of properties or total loan amount per borrower. This affects which lenders are available to you as your portfolio grows. We plan lender diversification accordingly.
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Negative Gearing and Your Investment Loan
A property is negatively geared when its deductible expenses (loan interest, depreciation, rates, insurance, property management fees, repairs) exceed its rental income, producing a net rental loss. This loss can be offset against other taxable income, reducing your tax payable.
The loan structure you choose directly affects the negative gearing benefit. An interest-only loan maximises deductible interest (since there is no principal component), which maximises the negative gearing tax deduction for higher-income investors. A principal and interest loan reduces interest over time, which reduces the deduction — but also builds equity faster and improves future borrowing capacity.
Want to understand how negative gearing affects your investment return? Read our detailed guide: Negative Gearing Explained: How It Works for Australian Property Investors
Note: RyRo Loan Centre does not provide tax advice. We recommend working with a qualified accountant or tax advisor to understand how negative gearing applies to your specific situation.
Investment Property Portfolio Strategies
The biggest mistake property investors make with lending is treating each purchase in isolation. How you structure loan 1 determines how much you can borrow for loan 2. Here are the core portfolio lending principles we apply:
- 1
Standalone security on each property
Each property is secured by its own separate loan — not cross-collateralised with other properties. This preserves your ability to sell, refinance or release equity from one property without requiring lender approval across the entire portfolio.
- 2
Lender diversification
We spread investment loans across multiple lenders. This prevents one lender's policy change (e.g., capping IO periods, reducing investment LVR caps) from affecting your entire portfolio simultaneously. As a rule, we start diversifying from your second investment property.
- 3
Preserving serviceability for the next purchase
Each loan structure decision affects how much you can borrow next time. We model the residual borrowing capacity after each purchase and choose loan structures (P&I where appropriate, lower LVR where affordable) that keep the next purchase within reach.
- 4
Equity access as a deposit recycler
As your properties grow in value, usable equity builds up. We structure equity access facilities so you can release equity from existing properties as deposits for new purchases, without needing to save each deposit from scratch. This is how disciplined property investors grow portfolios of 3–5+ properties over time.
- 5
Loan structure alignment with tax strategy
We work alongside your accountant to align loan structure (IO vs P&I, offset account use, split loans for mixed-use properties) with your tax position and investment horizon. The optimal structure for a high-income PAYG investor differs from a self-employed investor or one approaching retirement.
Investment Loan Terms Explained
What is an interest-only investment loan?
An interest-only (IO) investment loan is a home loan where your monthly repayments cover only the interest charged — not the principal balance. The loan balance does not reduce during the IO period. IO periods are typically 1–5 years. At the end of the IO period, repayments automatically switch to principal and interest. IO loans attract a rate premium of 0.1%–0.4% over equivalent P&I investment loans. They are commonly used by investors to maximise short-term cash flow and tax-deductible interest.
What is LVR (Loan-to-Value Ratio)?
LVR is the ratio of your loan amount to the lender-assessed value of the property, expressed as a percentage. A $600,000 loan on an $800,000 property is a 75% LVR. For investment property loans, lenders typically lend up to 90% LVR (with LMI) or 80% LVR (without LMI). A lower LVR generally results in a better interest rate. We calculate the optimal LVR for each investment purchase to balance upfront cost with ongoing rate benefit.
What is debt-to-income ratio (DTI) for investment loans?
Debt-to-income ratio (DTI) is total debt divided by gross annual income. APRA guidance suggests lenders pay close attention to loans with a DTI above 6x. For property investors with multiple loans, DTI caps can limit further borrowing. We manage DTI across your portfolio by selecting lenders and structures that preserve your DTI headroom for future purchases.
What Our Clients Say
What Our Customers Say
Based on 340+ verified Google Reviews.
Vandhana Naidu
"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…"
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"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…"
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"Working with Sumit Joshi & co was a fantastic experience. They were very professional, knowledgeable, and made the whole process stress-free…"
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"I had an absolutely outstanding experience with RyRo Loan Centre and I cannot thank Sumit enough for his incredible support throughout my in…"
Read moreGarima Sharma
"Sumit made the entire property purchasing process smooth and stress-free. Always professional, responsive, and genuinely helpful, he went ab…"
Read moreInfo Nue Design Homes
"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…"
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"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 moreNaga Seramsetty
"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 moreAndrew Napier
"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 moreKamal Raqba
"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 moreAdam Moffat
"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 moreYash Dharva
"I had an outstanding experience working with Vijay Dhingra from RyRo loan centre from start to finish. They made the entire mortgage process…"
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"Sumit and his team were super helpful throughout the entire loan approval process. Always prompt with responses and super convenient to deal…"
Read moreSudhir Sehgal
"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 moreChloe Martirena
"I had an amazing experience working with Sumit while buying my first home! From the very beginning, he was incredibly responsive and always…"
Read moreSuvidha Horn
"Thank you so much Sumit, Dean, Kathryn and the team at RyRo. You guys have been excellent and thorough professionals. Highly recommended for…"
Read moreAlex
"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 moreJay Patel
"I had an exceptional experience with RyRo Loan Centre, and I wholeheartedly recommend their services. Sumit and his team were not only highl…"
Read moreManjit Kaur
"I had an amazing experience with Sumit! The whole process was smooth, professional, and stress-free. He was incredibly helpful every step of…"
Read moreTyler Howard
"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 moreFree Calculators for Property Investors
- Borrowing Power Calculator — Estimate how much you can borrow for your next investment property based on your income, existing debts and rental income.
- Loan Repayment Calculator — Compare interest-only and principal and interest repayments side by side for your investment loan scenario.
- Offset Account Calculator — Model how an offset account affects your investment loan interest and tax deductions.
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Investment Property Loan FAQs
Common questions about investment loans, negative gearing, rate comparison and portfolio strategy.
Why people ask
- Clarity on the best investment loan rate and structure for your strategy
- Confidence that your loan is structured for long-term portfolio growth
- Peace of mind that we handle lender comparison, negotiation and paperwork at $0 cost
Our team
Sumit
Director & Senior Loan Specialist
Rohan
Asset Finance Specialist
Kathryn
Settlement & Client Liaison
Need something answered live? Talk to our team
Investment loan basics
Rate comparison & structuring
Negative gearing & tax
Portfolio & process
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Ready to Finance Your Next Investment Property?
Whether you are buying your first investment property or growing an existing portfolio, getting the loan structure right from the start makes a material difference to your long-term returns. We compare 50+ lenders and structure every investment loan for portfolio growth, not just today's rate.
“The best investment loan isn't always the lowest rate. It's the one that keeps you borrowing for the next purchase. Let's structure it that way from the start.”
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
Leave your details and we'll call you to discuss your investment strategy and loan options.
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