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.












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.
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.


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.
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