Refinancing Investment Property
Looking to reduce your loan repayments?
Based in Sydney's Hills District and helping clients right across Australia, we make refinancing your investment property simple.Refinancing an investment property loan works differently to refinancing the home you live in. As an investor, your priorities are often about maximising the performance of your portfolio — releasing usable equity, restructuring repayments, or improving cash flow on a property that’s working for you. At SB Finance we have access to over 40 of Australia’s biggest lenders and can help you compare options suited to investors.
Reasons investors consider refinancing:
- Your property has grown in value and you’d like to access the equity to put towards the deposit on your next investment
- A fixed-rate period is ending and reverting to a higher variable rate
- You want to review your repayment structure, including interest-only versus principal-and-interest arrangements, to suit your investment strategy
- You’re looking to consolidate the debts across multiple properties into a more manageable structure
- You want to compare lenders to find a loan that better fits your circumstances
What to Keep in Mind as an Investor
Refinancing an investment loan can have costs and tax implications that differ from an owner-occupied refinance, and the way your loan is structured can affect your cash flow and record-keeping. Because everyone’s situation is different, we recommend speaking with your accountant or financial adviser about the tax side, while we help you understand the lending options available across our panel.
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!
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Whether you have questions or inquiries about our services, we’re here to assist you every step of the way.
Frequently Asked Questions
Yes. An investment refinance works much like an owner-occupied one: a new lender assesses your income, the rent, your expenses and the property’s value, then pays out the existing loan. Because investment loans are often held alongside others, it is worth checking whether your properties are cross-secured first.
Investors refinance to release equity for the next purchase, separate cross-secured properties, switch between interest-only and principal-and-interest, add an offset, consolidate facilities, or restructure so interest is easier for an accountant to apportion. The right reason depends on your holding plan rather than the loan alone.
Usually yes, subject to the current valuation and your serviceability. Equity release means borrowing against the increase in value and holding the funds for a deposit, a renovation or another purpose. Lenders ask for the intended use, and how the release is structured can affect the tax treatment of the interest.
Options include changing lender, restructuring repayments, splitting a loan into separate accounts per property, unwinding cross-collateralisation, adding or removing an offset, extending or shortening the term, and releasing equity. Sometimes a variation with your existing lender achieves the goal without a full refinance.
It can be done, though the lender choice narrows and a stronger equity position is generally expected. Consistent recent repayments on the existing loan carry real weight. We review your credit file and rental history before selecting lenders, so the application is not tested against unsuitable policy.
Lenders Mortgage Insurance generally applies if the new loan is above 80% of the property’s value, and a premium paid to a previous insurer is normally neither refundable nor transferable. Where the property has appreciated or the balance has fallen, keeping the new loan at or under 80% avoids the cost.
Book a free review. Provide your current loan statements, rental evidence, income details and an estimate of value, and we compare your existing lender against our panel. If a change stacks up we lodge the application, coordinate the discharge and settlement, and can liaise with your accountant.
Where to go next
Restructuring a loan over a rental property brings in questions that do not arise on an owner-occupier refinance, including how the security is valued and how existing commitments are read. See investment property loans for the purchase side, or refinancing home loans if the property you live in is also under review.