Maximise your borrowing capacity
- Access lenders who count rental income favourably
- Strategies to unlock equity from existing properties
- Structure that protects your future borrowing power
Interest-only up to 10 years
- Most banks cap IO at 5 years — we go further
- Maximise negative gearing tax benefits
- Keep cash flow positive from day one
Complex income accepted
- Self-employed, trust income, and multiple streams
- Lenders who count casual and commission income
- Solutions for non-residents and expat investors
Portfolio lending specialists
- 2nd, 3rd, and 4th investment properties
- Cross-collateralisation strategies explained
- Lenders who don’t cap at 4 properties
3,200+ reviews
for every client
Find out your position in 60 seconds.
Answer three quick questions. No credit check. No obligation.
Quick Eligibility Check
How much deposit or equity do you have available?
Include savings or usable equity from a property you own.
How would you describe your credit history?
Choose the option that best matches your situation.
What is your approximate annual income?
Before tax. A rough estimate is fine.
Here’s where you stand:
Based on your answers, you could have several options. A broker can help you understand what you can do next.
Free service · No credit check · Australian-based brokers
You may still have options
Based on your answers, you may still be able to explore an investment loan. The next step is to look at your full situation and which lenders may suit it.
With a 10% to 20% deposit, lender’s mortgage insurance may apply. Some lenders may be more flexible than others, depending on your situation.
Free service · No credit check · Australian-based brokers
You may still have options to explore
Based on your answers, your situation may need a closer look. A broker can review the details and talk you through what may be possible.
A broker will review your situation in more detail and explain which options may be available. You can then decide what you’d like to do next.
Free service · No credit check · Australian-based brokers
Your bank sees one option.
We see 50+.
Most investors are told what their bank can offer. We show you what 50+ lenders can offer — then fight to get you the best one.
Access to lenders your bank can’t offer
We work with major banks, non-bank lenders, and specialist lenders who have investor-specific policies — many not available directly to the public.
Interest-only up to 10 years
Most banks cap interest-only at 5 years. We access lenders offering 10-year IO terms, maximising your negative gearing and cash flow flexibility.
Portfolio structuring expertise
We help investors structure loans across multiple properties to avoid cross-collateralisation traps and protect future borrowing capacity.
Complex income? You still have options
If you’re self-employed, earning through a company or trust, or working casually, we know which lenders are more likely to look at your income favourably.
Fast pre-approval for serious investors
Most professional investor applications receive a conditional assessment within 48 hours. No waiting weeks to find out where you stand.
We work for you, not the bank
Our brokers are paid the same regardless of which lender you choose, so the advice you get is based on what suits you best.
Built For How Investors Actually Invest
Every feature is designed to give you more control, more flexibility, and more room to grow.
Keep your cash flow working harder.
Free up monthly cash by paying only the interest — ideal for maximising returns during the growth phase of your portfolio.
Use your existing equity to keep growing
If you’ve built up equity in your home or investment property, you may be able to use it toward your next deposit instead of saving from scratch.
Reduce interest without reducing flexibility.
Park savings in an offset account linked to your investment loan to cut interest costs — while keeping funds accessible when you need them.
Don’t let lender policy cap your portfolio
Many banks restrict how many investment properties they’ll finance. We can help you find lenders with a more flexible approach and structure your loans strategically.
50+ lenders. One specialist.
Including lenders with investor-specific policies most brokers don’t know how to access.
From professionals who’ve done it.
“Excellent professional service from start to end – I was looking for a investment loan to purchase a property. My serviceability was always a problem due to my foreign sourced income and most of the lenders are only considering 60%-80% of total income. Home loan experts were able to understand my needs and objectives and were very transparent and clear on the process and the steps involved.”
Thomson S. VIC
“Highly diligent, professional team. Fast approval – I got Mohit and his team to find us a lender to refinance our current mortgage, release the equity to secure a new investment loan. Finalising a sales contract as I write this review, Mohit reviewed the contract in just 15 min, and gave up the green light. Highly recommended.”
Marc GL QLD
“Fast, Professional and Reliable – This is the 5th time that I am using Home Loan Experts services in last 3 years. The team at Home Loan Experts are professional and real experts in home/investment loans and refinancing. They helped me with 1x Home Loan, 2 Investment Loans and 2 loan refinancing so far. Very happy with their service and will come back again. “
Michael VIC
Three Simple Steps. Zero Surprises.
Three Simple Steps. Zero Surprises.
Free strategy call
Free strategy call
We review your situations, goals, and borrowing capacity. In just one small call, you will know exactly where you stand.
15 minutesFull Lender Assessment
Full Lender Assessment
We compare 50+ lenders and recommend the best fit for your investment strategy, timeline, and income structure.
Within 48 hoursWe handle everything
We handle everything
From paperwork to lender communication, your broker manages it all so you can stay focused on your investment.
2–4 weeks to approvalQuestions Professionals Ask Everyday
Not always. A 20% deposit can help you avoid LMI and access more lender options, but some investors may be able to borrow with less. Your options depend on your income, credit history, debts, property type, and overall position.
Different lenders assess investors in different ways. Some may be more flexible with rental income, existing debts, multiple properties, interest-only repayments, or complex income. We’ll compare lender policies and match your situation with lenders that may better understand your investment goals.
Yes. Self-employed borrowers can qualify for investment loans, but lenders assess income differently. Some need two years of financials, while others may accept alternative income verification under the right conditions. We’ll help identify lenders that suit your income structure.
In most cases, we’re paid a commission by the lender after your loan settles, so there may be no direct broker fee for you. If a fee applies for a more complex scenario, we’ll explain it upfront before proceeding.
Approval timeframes vary by lender, documents, property type, and application complexity. Straightforward applications may move quickly, while scenarios involving multiple properties, self-employed income, or trusts can take longer. We’ll help you prepare the right documents early to avoid unnecessary delays.