Investment loans
Smarter Lending for Property Investors
Property investment can be one of the most effective ways to build long-term wealth, but the right finance strategy is essential to maximise returns and manage risk. At Better Money Lenders, we specialise in structuring investment loans for both residential and commercial property, helping investors of all experience levels secure competitive lending and make informed decisions.
Whether you’re purchasing your first investment property, expanding your portfolio, or stepping into commercial property, we’ll guide you through the options available. Our brokers take the time to understand your investment goals, tax position, and cash flow needs so we can recommend lending solutions that set you up for success—not just today, but in the long term.
With Better Money Lenders, you’re not just financing a property – you’re building a future.
Keypoints
- Flexible Loan Structures – Choose from principal & interest or interest-only repayments, depending on your cash flow and tax strategy.
- Competitive Loan-to-Value Ratios (LVRs) – Borrow up to 90% for residential investment properties and up to 70% for commercial property, subject to lender assessment.
- Fixed or Variable Options – Lock in certainty with a fixed rate or take advantage of market flexibility with variable rates.
- Offset Accounts & Redraw Facilities – Optimise tax effectiveness and manage your cash flow with loan features that work for you.
- Tailored Terms – Loan terms typically range from 1 to 30 years, with options to align repayments with your investment timeline.
- Portfolio-Friendly Solutions – We help structure loans in a way that supports future borrowing and sustainable portfolio growth
Why Choose Better Money Lenders for Investment Finance?
Residential Investments
From single properties to growing portfolios, we help you compare a wide range of lenders and loan structures, including interest-only options, fixed or variable rates, and offset facilities. This allows you to optimise your borrowing strategy, balance cash flow, and take advantage of market opportunities.
Commercial Investments
Investing in commercial property requires a deeper understanding of lender policies, loan-to-value ratios, and lease structures. We draw on decades of combined broker and banking experience to structure competitive, compliant loans for offices, retail, industrial, and mixed-use property investments.
Portfolio Growth Strategy
Successful investors know that lending isn’t just about today’s purchase—it’s about building a sustainable strategy that supports future acquisitions. We work alongside your accountant or financial adviser to ensure your lending structure maximises tax efficiency, supports equity growth, and preserves your long-term borrowing capacity.
Optimised Loan Structures
The way your loan is set up can make a big difference to your returns. We’ll help you compare options like interest-only vs. principal & interest, fixed vs. variable rates, and offset facilities, so your lending is structured to maximise tax efficiency and support your cash flow.