Investment Property Financing

At Mortgages Plus, we help property investors create, grow, and manage their portfolios through customised finance solutions. From your first investment purchase to building a multi-property portfolio, we provide the strategies and lender access needed to maximise returns, manage risk, and future-proof your investments. With no upfront fee, you gain expert guidance at every step.

70+ 5-star Google Reviews

What is Investment Property Financing?

Investment property financing involves using structured lending solutions to purchase, refinance, or expand your property portfolio. The right finance strategy can:

  • Unlock equity to fund future acquisitions or renovations.
  • Optimise cash flow with the right balance of fixed and variable rates.
  • Build tax-effective loan structures with features like splits, offsets, and interest-only arrangements.

Property investing isn’t just about buying property. It’s about structuring your loans strategically to support long-term growth.

Why Choose Mortgages Plus for Property Investment Financing

Personalised Strategies

Every investor has different goals, whether focused on yield, capital growth, renovations, or wealth creation. We take the time to review your portfolio, assess cash flow and valuations, and design a lending strategy that aligns with your objectives.

Why it matters
The average Australian refinance saves $1,908 a year. Small wins add up! Cut years off your loan and/or build lasting wealth through smart investment portfolios.

Expert Guidance

With in-depth knowledge of investment property lenders, from major banks to specialist and non-bank options, we guide you through policies, borrowing limits, and requirements, while working with accountants to ensure tax-effective loan structures.

Why it matters
50+ lenders = better choices. Experience avoids mistakes and gets you sorted fast. Find the perfect lender for your situation.

Clear, Transparent Process

We explain fees upfront, outline realistic timelines, and keep you informed at every stage. There are no hidden surprises, and because we’re paid by the lender at settlement, our services come at no cost to you.

Why it matters
Smart tech and transparency build trust. That’s why we are an award-winning team with 70+ five-star Google reviews.

Common Investment Challenges

Property investors often face unique financing hurdles. We make the process simpler by anticipating and solving these challenges:

Borrowing Power Limits

Lenders often cap borrowing after one or two properties. We use flexible lenders and spread exposure across multiple banks to maximise capacity.

Valuations Coming in Low

Unexpected valuations reduce equity. We order multiple upfront valuations to secure the best outcome.

Complex Loan Structures

Multiple loans and facilities can be overwhelming. We simplify structures while balancing cash flow with long-term growth.

Tax and Cash Flow Considerations

Investors require sustainable returns and tax efficiency. We work with accountants to model loan impacts on both.

Getting Investors the sharpest products

Supporting Clients Across Australia

Based on Sydney’s Northern Beaches, Mortgages Plus works with clients in suburbs such as Manly, Dee Why, Narrabeen, and Avalon, as well as across Greater Sydney and regional NSW, including the North Shore, Inner West, Hunter Valley, and Central Coast. We also support clients nationwide, from Melbourne and Brisbane through to Adelaide and Perth.

Photo of Chris the Mortgage Broker
A beautiful cathedral cove in New Zealand with water and blue sky

Ready to Refinance?

No upfront fee. Clear advice. Investment-focused support.

Take the next step in building or expanding your property portfolio with customised finance strategies from Mortgages Plus. Call us today at +61 (0) 447 222 628 or start the process now.

Mortgages Plus
Mortgages Plus
Mortgages Plus
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Mortgages Plus

Frequently Asked Questions

How many investment properties can you finance?

Each lender has different limits, with some capping at 3–4 properties while others are more flexible. We spread loans across multiple lenders to maximise your borrowing power and help you continue building your portfolio without hitting a hard stop.

Will rental income be fully counted for servicing?

Most banks only count 70–80% of rental income when assessing serviceability. We know which lenders are more generous and structure applications to ensure you’re getting the most recognition for your rental returns.

Should I choose interest-only or principal and interest?

It depends on your investment strategy. Interest-only can free up cash flow for growth, while principal and interest builds equity faster. We model both options so you can see the long-term impact on repayments, equity, and borrowing capacity.

What if a property valuation comes in low?

This happens more often than you’d think. We order upfront valuations with multiple lenders and use the strongest result, so a single low valuation doesn’t limit your ability to access equity or borrow further.

How do you structure loans for tax effectiveness?

We work closely with your accountant to ensure loans are set up correctly, for example, separating investment and owner-occupied debt or using offsets. The aim is to maximise deductions while keeping your structure sustainable.

Don’t just take our word for it
See for yourself what our clients think with 70+ five star reviews on Google
“We can’t recommend Chris highly enough! He not only secured us a great rate but did so with lightning speed and amazing communication along the way. If you are looking for a mortgage broker who combines great expertise, incredible efficiency and a genuine passion for his clients’ success... Chris is the one!”

Nicole + Tristan

Manly, NSW

"Best broker in Manly and on the Northern Beaches!! Chris made the whole process easy and worked tirelessly to get the result I needed. What really impressed me was that he followed up with all parties throughout the entire process and ultimately drove a fast and successful outcome. He found the best deal for my situation, kept me informed every step of the way, and took care of everything - right through to arranging settlement. He even managed to bring the settlement date forward so the funds were in my account before I went overseas. That level of service is rare. I highly recommend Chris and will definitely be using his services again. Excellent broker and broker for life. 💪"

Luke + Melissa

Manly, NSW

"Chris is my Mortgage Broker and drove the process for my wife and I to secure our first property this year. He was fantastic to work with from start to finish. Being our first purchase, we had plenty of questions and many blind spots through the process which Chris was able to very effectively guide us through. He was able to provide excellent broker advice, as well as very helpful advice and coaching to help us better understand the properties we were pursuing as an impartial observer. I would absolutely recommend him for my friends and family, as he secured us a great rate, was extremely transparent on our financial position and the options it allowed for, and communicated clearly & promptly at every step. Looking forward to continuing working with him into the future!"

Alex + Naomi

Manly, NSW

"My wife and I couldn't be happier with the service provided by Chris. After being frustrated and disappointed by other brokers, Chris was a total breath of fresh air and made purchasing our first home on the Northern Beaches a reality. From our first contact, Chris was excellent across the process: highly organised, approachable, and a great communicator. He was completely upfront with expectations, and his tools for comparing lenders gave us fantastic visibility of our options. Chris was constantly on top of the process, from securing our initial pre-approval to finalising the bank arrangements promptly after purchase. ​If you need a broker who is a true professional, solution-focused, and delivers results, we absolutely recommend Chris to anyone! "

Francois R

Belrose, Sydney

"Chris is an absolute godsend, we initially messaged Chris having no idea what is involved with buying our first home or if it was even possible. We dotted the i's and crossed the t's and he took care of the rest. I've gained so much knowledge and insight throughout this process thanks to Chris and have really enjoyed working with him, I cannot fault this experience at all. Today is the day we got our approval and it all wouldn't have been possible if we didn't have Chris on our side. I cannot recommend him enough for anyone considering buying their first home, especially if you are a fellow kiwi he is equipped with all the knowledge. Our new home is going to be filled with memories of our family and a reminder of our amazing mortgage broker who helped us to be able to create those memories. Thank you for your professionalism, guidance and patience and sharing your knowledge with us Chris. You are an absolute legend!"

Char + Eric

Melbourne, VIC

"Chris is excellent. From the first meeting, he was friendly, professional and prompt. He helped to find actionable solutions and work around our needs to deliver a product that met our requirements. He made himself available constantly and was proactive in progressing matters. It is rare to find someone that is both so helpful and responsive. 10/10"

Tanya + Egor

Willoughby, Sydney

"Chris has been an absolute diamond! He is responsive, friendly and incredibly professional all while getting the best deal for us as we purchase our first home in Australia. He has taken the time to answer all our questions (there have been plenty!) and made sure we are certain of every process step. We honestly feel we have hit the jackpot with Chris and I cannot recommend him highly enough. If you are looking for a broker, you cannot go wrong with Chris. Thank you for your continued support!"

Hannah + Leron

Manly, NSW

"We recently worked with Chris to refinance our property, and the experience was outstanding from start to finish. He was instrumental in helping us secure the best possible deal, moved quickly through every step of the process, and took the time to clearly explain all the details along the way. We highly recommend Chris to anyone looking for property advice! "

Catalina

St Leonards, NSW

"From the outset, Chris demonstrated exceptional professionalism, clear communication, and a thorough understanding of both the lending environment and the unique challenges faced by self-employed expats. He worked diligently with the banks, explored every possible avenue, and ultimately secured the finance I needed — something others had said wasn’t possible! If you’re navigating a complex lending situation, especially as a New Zealander in Australia, Chris is absolutely the person you want in your corner."

Bianca + Clinton

Perth, WA

"Chris Dodson is a home loan wizard. I called Chris the day we found out an upstairs apartment was selling before going to market, and within less than 2 weeks, we paid our deposit and secured our home loan. Chris was calm, patient, very informative and provided continuous updates on how the process was tracking with the bank which was invaluable as first home buyers who were under time constraints. We cannot commend Chris enough for his hard work in helping us secure our first home loan and will definitely be recommending his services to anyone who is looking to buy a home."

Lara + Greg

Manly, NSW

"Chris was key in helping us get everything over the line. We’ve been overseas for the past four years, so getting the paperwork sorted and finding the right bank was no easy task. Chris went above and beyond to secure our home loan approval despite the challenges. What sets Chris apart is his responsiveness. He always picks up the phone and gets things done. I highly recommend Chris as your go-to guy for home loan approvals if somebody is looking for an expert and reliable person"

Zeeshan

Dubai, UAE

"Chris was outstanding in guiding us through our first home purchase. Despite our complex financial situation, his clear advice made the process effortless. We highly recommend his services and will use him again for all our home buying needs. Excellent Service, 5 stars! "

Andy + Jan

Manly, NSW

"As a first-time buyer in Australia, Chris has been invaluable. He’s been a mentor for me over the past few months, is a wealth of knowledge and always makes the time to chat or meet up. Thanks for your ongoing support! Highly Recommend."

Emma

Manly, NSW

"Had the best experience from the get go having Chris Dodson assist us in getting access to equity. He kept us in the loop every step of the way & gave us continuous positive feedback which made us confident thoughtout the whole experience. We are thankful and very appreciative."

Warren + Sian

Perth, WA

"Chris was highly recommended to me by a friend and I am extremely grateful for his commitment to the process, achieving me very impressive results. Chris went above and beyond my expectations to ensure that my financial goals were met by the best possible lending agency for my individual circumstance. I have no hesitation in recommending Chris to everyone I know. An outstanding financial service."

Julie

Wollongong, NSW

"We cannot recommend Chris highly enough. He has guided us through what can be an incredibly stressful, complicated, and high stakes time, always with a steady hand and good humour. Infinite patience and a wealth of experience. Highly recommend, five stars!"

Kim + Rob

Northern Beaches, NSW