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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1
First Time Investors

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

2
Growing Your Portfolio

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

3
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.
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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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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