Investment Loans Made Easy

We compare lenders, help you to unlock equity, and secure the right loan to make your property investment strategy a success with expert advice for first-time investors and seasoned property owners.

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First Time Investors

We’ll guide you through deposits, lenders, and loan structures so you can start building wealth with confidence.

Growing Your Portfolio

Unlock equity, compare lenders, and structure your loans strategically to keep your investment journey moving forward.

Experienced Investors

From interest-only strategies to complex loan structures, we’ll help you maximise returns and minimise costs.

smart finance for savvy investors

why use a mortgage broker for your investment loan?

Compare dozens of lenders to find a competitive investment loan
Structure your loan to suit your cash flow and tax strategy
Help you navigate lender policies and approval criteria
Save you time, paperwork and stress.

      
 
 
      Posted on Google  
   
   sophia baiamonte 
 14 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. as always dealing with Daniel as been a wonderful and great experience , always on top of things and responding to all correspondence . I would highly recommend and always would deal with daniel . thank you for making it all happen once again
  
 
     Posted on Google  
   
   Tim Sneddon 
 24 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Daniel was incredibly helpful and knowledgeable when it came to helping us. He is very clear and direct, so you know exactly what you need to do and how to get there. The heaps of 5 star reviews is what led me to seek his services in the first place and I can attest through my own experience that they are well earned and deserved.
  
 
     Posted on Google  
   
   Michelle Sneddon 
 24 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Communication is amazing. Knowledgeable and honest.
We would highly recommend Daniel to anybody wishing to buy a home.
  
 
     Posted on Google  
   
   Catherine Moore 
 23 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Daniel responded quickly to my phone calls and emails. He kept me informed at all times and made the whole process easy. I have no hesitation in recommending Daniel to anyone looking for a reverse mortgage.
  
 
     Posted on Google  
   
   Dennis Ginbey 
 8 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. We had a fantastic experience working with Daniel and the team at Base Home Loans for our recent property purchase. They made the entire finance process smooth, stress-free, and incredibly straightforward. Highly recommend their services to anyone looking for a reliable broker!"
  
 
     Posted on Google  
   
   sneha priya 
 2 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Daniel and Leah, thank you for being so proactive, staying ahead of everything, constantly following up and making sure we never felt lost with the finance side of things. Your guidance and reassurance made such a big difference, especially when everything was new to us.
  
 
     Posted on Google  
   
   Zarif Mahmud 
 20 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. I am so grateful for Justine Ann Guzman's exceptional service. She went above and beyond to ensure all my questions were answered promptly and clearly. Working with someone so efficient and kind made a world of difference.
  
 
     Posted on Google  
   
   Omar Munerato 
 4 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. +0
I highly recommend Daniel from Base Home Loans. This is the second time we’ve used his services, and once again he has been outstanding. The first time, Daniel helped us secure our home loan in Perth, and now he has guided us through buying our new home in Melbourne. Despite the different states and processes, everything was handled professionally and smoothly.

Daniel is knowledgeable, responsive, and always takes the time to explain everything clearly. He made the entire process stress-free, and we always felt that he had our best interests at heart. Thank you, Daniel, for your excellent service and ongoing support. We wouldn’t hesitate to use you again or recommend you to anyone looking for a reliable and trustworthy mortgage broker.
  
 
     Posted on Google  
   
   Cameron Valentine 
 21 July 2026
 
 
 Trustindex verifies that the original source of the review is Google. Daniels help was fantastic from start to finish. He made the whole mortgage process straightforward, kept me updated every step of the way, and was always quick to answer any questions. I'd highly recommend Daniel and the team at Base Home Loans to anyone looking for a reliable and supportive mortgage broker.
  
 
     Posted on Google  
   
   Mitchell Nye-Wood 
 21 July 2026
 
 
 Trustindex verifies that the original source of the review is Google. Great result and good communication with Daniel from Base Home loans over a year long journey where I was buying off the plan.
  
 
 
  
 
 
   Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

how we help investors

strategic investment loans

Base Home Loans helps property investors structure lending around long-term strategy, borrowing capacity, cash flow and future flexibility. Whether you are buying your first investment property, using equity, reviewing an existing loan or planning your next purchase, we can help compare lender options and structure finance to support your broader property goals.

Investment loans Perth & Beyond

Frequently asked questions

Whether you’re buying your first investment property or growing your portfolio, the right loan can make all the difference. As one the best mortgage brokers Perth has to offer, we specialise in helping investors secure tailored finance that supports both immediate goals and long-term success.

Generally, 10–20% of the purchase price. Lower deposits are possible but may attract higher interest rates and Lenders Mortgage Insurance.

You can use the equity in your home as an investment property deposit, and if you have enough equity built up, you can borrow 80% of the property’s value without having to use your own cash. Your accessible equity is the difference between your home’s current value and how much you still owe on your home loan.

It can be, depending on your income, expenses, and investment strategy. It’s best discussed with both a mortgage broker and an experienced accountant.

Most lenders count 70–80% of the expected rent to allow for vacancies and expenses.

Interest-only can improve cash flow short-term, while principal-and-interest reduces debt faster.

Yes, but there are strict rules and it’s essential to get specialist advice from a financial planner and accountant. There’s also some cost involved in setting up a Self Managed Super Fund. Once you’ve received qualified advice, we’re happy to help guide you through and can provide specialised advice on the best lender for this type borrowing.

They can be. Lenders often apply stricter criteria for investment loans. They’ll want to see strong income, a good credit history, and may “stress test” your repayments to ensure you can manage if interest rates rise.

Generally, yes. The interest you pay on an investment loan is usually tax deductible if the property is producing rental income. Always check with your accountant for advice tailored to your situation.

It depends on your goals. Interest-only loans can improve cash flow in the short term, while principal-and-interest loans help you build equity over time. A mortgage broker can help weigh up which suits you best.

Yes, and this can be a good strategy for many people for different reasons. You may be renting in a more desirable area for your family or work and own an investment property elsewhere. You may live at home with your parents and start your property ownership journey with an investment property.

Yes — absolutely. Different investment strategies often call for different loan structures and features. The type of loan you choose can significantly impact your returns, flexibility, and long-term wealth-building. An experienced mortgage broker can help set you up with the right loan to suit your investment strategy, from buy hold, to positive cash flow, rentvesting, negative gearing or renovate and sell – we can find you the most suitable loan to match your goals.

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Our most read Investor Articles

Key Considerations When Getting an Investment Loan

Buying an investment property can be a powerful way to build long-term wealth. But getting the right finance in place is just as important as choosing the right property. An investment loan works differently from a standard home loan, and understanding your options will help you make the most of your investment strategy.

Deposit Requirements

How much you’ll need, if you need to pay LMI, and if you can access your current home equity to avoid a cash deposit.

loan type

Options like Principal & interest, interest only, fixed or variable, and accessing a line of credit for your investments.

investment Strategy

Considerations like renovate and sell, rentvest, buy and hold, negative gearing and positive cash flow.

Loan Features

What kind of investment loan features are required? From offset accounts or redraw facilities to provide flexibility.

Perth’s Investment lending specialist

With years of experience helping clients grow their property portfolios, Daniel Niederberger is recognised as one of Perth’s most trusted mortgage brokers for investment loans. He takes the time to understand each client’s goals – whether that’s building long-term wealth, maximising tax benefits, or simply securing a competitive loan structure – and matches them with the right finance solution. Daniel’s knowledge of lender policies, investment loan strategies, and the complexities of multiple property ownership means clients can move forward with confidence knowing their investment finance is in expert hands.

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Daniel Niederberger best mortgage broker Perth

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Investment Loans Made Easy

why use a mortgage broker for your investment loan?

strategic investment loans

Investment loans Perth & Beyond