We provide credit assistance to help you understand how investment lending works, explain how different loan features may apply, and guide you through the process step by step.
No two investment loans are the same. Our role is to help you understand your borrowing options, compare lending structures across a broad panel of lenders, and support you through to settlement.
How we support property investors
We help property investors by:
- Explaining how lenders assess rental income and expenses
- Discussing deposit and equity options
- Comparing loan structures, including interest-only and principal and interest
- Explaining how loan features such as offsets and redraw may apply to investment loans
- Managing the application, approval and settlement process
Where relevant, we also help explain how lenders treat multiple properties and portfolio-style lending.
Common investment scenarios
Property investors can approach investment lending in different ways. From a lending perspective, we commonly assist clients with scenarios such as:
Rentvesting
Rentvesting is where you continue to rent your own home while purchasing an investment property elsewhere. From a lending perspective, this involves assessing rental income, expenses and borrowing capacity differently to an owner-occupied purchase.
Positive and negative gearing
Positive and negative gearing describe how rental income compares to the ongoing costs of an investment property.
- Positive gearing occurs when rental income exceeds the ongoing costs of the property.
- Negative gearing occurs when rental income is less than the ongoing costs, requiring the shortfall to be funded from other income sources.
Lenders assess these scenarios differently depending on income, expenses and loan structure. Our role is to explain how these factors are treated from a lending perspective.
Decisions around financial and tax advice are considered within your Ironbark advice team as part of your broader advice framework.
Working alongside your advice team
Where appropriate, we work closely with your financial adviser or accountant to ensure the lending structure supports your broader financial position. Our role is to provide credit assistance and implement the lending component, while strategic advice, tax considerations and investment suitability are handled by your Ironbark Advice - Financial Advice team.