Investment Property Loans for Residential & Commercial Property

Looking to buy an investment property?

We are here to help!

At SB finance, we are here to guide you through every step of the process when it comes to buying an investment property.

Based in Sydney's Hills District and helping clients right across Australia, we make investment property loans simple.We can help you understand how much you need to save, what your borrowing capacity is, what your repayments will be when you do proceed. Our experts will explain all the other costs associated with getting an investment loan including stamp-duty, settlement fees and LMI (lenders mortgage insurance) if applicable.

We have access to over 40 lenders, including all the major banks, allowing us to secure a competitive loan package tailored to your needs. We can help you work towards pre-approval so you can shop for a property with confidence.

What Lenders Consider for an Investment LoanBuying an investment property is assessed differently to buying your own home. Alongside your income and existing commitments, lenders will factor in the expected rental income from the property, your deposit and available equity, and how the loan fits your overall position. Understanding your borrowing capacity early helps you shop within a realistic budget.

Deposit, Equity and Costs to Plan ForMany investors fund their purchase using a cash deposit, equity drawn from an existing property, or a combination of both. It’s also worth budgeting for the upfront costs beyond the deposit — including stamp duty, conveyancing and legal fees, building and pest inspections, lenders mortgage insurance where applicable, and ongoing holding costs. We can help you map these out before you commit.

Choosing a Loan Structure That Suits Your StrategyInvestors often weigh up options such as interest-only versus principal-and-interest repayments, fixed versus variable rates, and whether to set up an offset facility. The right structure depends on your goals and circumstances, and the tax treatment of an investment loan can differ from an owner-occupied one — so we recommend speaking with your accountant about that side while we help you compare lending options across our panel of over 40 lenders.

SB finance does not offer personal advice and aims to provide information which is factual and in-line with lenders requirements and a customers best interest. We encourage you to seek independent legal and financial advice before proceeding. our credit guide and Privacy disclosure is available on our website.

Competitive Options

With access to over 40 lenders, we compare the market to find a finance option suited to your situation. Terms and conditions, fees and eligibility criteria apply.

Loan Deals

Talk to our team about the options available across property, asset and personal finance. We'll explain how each could suit your needs.

Quick Application

Our Application process is straight-forward and hassle free. We pride ourselves in being responsive and prompt with processing your application!

Personalised Service

Here at SB Finance we treat everybody like one of the family. We pay attention to the detail and make sure we offer nothing but first class service tailored to your needs!

Let’s talk finance

Whether you have questions or inquiries about our services, we’re here to assist you every step of the way.

Your Details - Step 1 of 3

What type of finance do you need?

How investment lending differs from an owner-occupier loan

Borrowing for an investment property works a little differently to buying your own home. Lenders assess your application with rental income in mind, and they may take a different view on serviceability and the loan features available to you. Many investors also consider options such as interest-only periods to manage cash flow. Understanding these differences upfront helps you structure your finance in a way that supports your investment goals.

Building and growing your property portfolio

Whether you are buying your first investment or adding to an existing portfolio, how your loans are structured matters. Investors often use the equity in one property to help fund the next, and spreading lending across different lenders can sometimes provide more flexibility. With access to a large panel of lenders, we can help you look at the structure that suits where you are now and where you want to get to.

Costs and considerations for investors

Beyond the loan itself, it is worth planning for the other costs that come with an investment purchase, such as LMI where applicable and stamp duty. Investment property also has tax implications that are specific to your situation. These are best discussed with your accountant or financial adviser, and we are happy to work alongside them so your finance and your broader strategy line up.

Investing in property around the Hills District and Sydney

As local brokers, we work with investors across the Hills District and wider Sydney market. If you are weighing up an investment purchase, we can give you clear, practical guidance on the finance side so you can move when the right opportunity comes along.

Frequently Asked Questions

How much can I borrow on an Investment Loan?

At SB Finance we have access to over 40 lenders that can lend from $50,000 upwards. The total amount borrowed will vary depending on an applicant’s financial position, serviceability, property valuation and total deposit. Speak to one of our team for a free assessment!

Do I have Investment Loan Options?

Yes, at SB Finance we have several loan options that can assist with purchasing an investment property. We offer a free consultation to discuss your requirements and will guide you through the process required to apply. We also can put you in touch with property buying agents or real-estate agents that can assist you with finding a suitable property. Speak to one of our team today to discuss how we can help you get a loan to suit you.

Can I get a Investment Loan with Bad Credit?

Yes! With access to over 40 of Australia’s largest lenders, we do have lenders on our panel that will consider bad credit or defaults subject to the application. Speak with our team to find out more!

How much Deposit do i need for an Investment Loan?

With such a large panel of lenders to choose from No Deposit(subject to application and lender guidelines). The most common deposit amount required would generally range between 10%-20% depending on the lender. This can sometimes be achieved by using equity from an existing property.

What is LMI?

LMI stands for Lenders Mortgage Insurance and is designed to provide lenders with an additional level of protection in the event the borrower defaults (doesn’t repay) the loan.

LMI can be avoided with a deposit as per lenders guidelines (usually 20%) or a guarantor going on the loan. Speak with our team and they can discuss the guidelines around LMI.

What is Stamp Duty?

Stamp duty is a tax levied by state or territory governments on certain purchases, including buying a home, land or investment property. The amount of stamp duty charged varies depending on where the transaction takes place and the value of the property. Each state and territory has its own fee schedule, so you need to check with your local revenue office. If you are a first If you’re buying your first home you might not have to pay stamp duty if you are eligible for the state-based First Home Owners Grant.

How Can I apply?

There are several ways you can apply, all of which are simple. you can contact us on 1300 172 346 or email info@sbfin.com.au to speak with our team. alternatively, you can speak to us via any of our social media platforms or fill in the quick quote form on our page and we can reach out to you.