Investment loans
Investment Property Loans in Australia
Get support with investment property loans and investment home loans tailored for property investors, whether you are buying your first rental property or growing an existing portfolio.
Prosper Loan Experts helps you review loan structure, rental income, interest-only options, and lender requirements so you can find finance that fits your investment goals.
Request a Call Back
Benefits of Investment Property Loans with Prosper Loan Experts
Investment property loans need the right structure, lender fit, and repayment strategy. Prosper Loan Experts helps property investors review investment home loan options, rental income, interest-only choices, and lender requirements before applying.
Loan amount
$100,000 - $2,000,000
Secured interest rate
5.5% - 7.2%
Unsecured interest rate
Not Offered
Loan terms
10 - 30 years
Rate type
Fixed or Variable or Split
Average turnaround
1 - 3 business days
Establishment fee
$0 - $1,000
Repayment frequency
Weekly, fortnightly, or monthly
Documents Needed
Identification Documents
Passport or driver’s license.
Medicare card.
Proof of Income
Recent pay slips (60 days).
Tax returns (for self-employed or investment income proof).
Bank Statements
3-6 months of transaction history.
Property Documents
Sale contract for the investment property.
Rental appraisal or proof of rental income (if applicable).
Credit History
Details of any existing loans or liabilities.
Additional Documents
Investment property management agreements.
Deposit receipt for the property.
Proof of Address
Utility bills or rental agreements.
READY TO GIVE US A TRY?
Ready to Finance Your Next Investment Property?
Speak with Prosper Loan Experts to review investment property loan options, rental income, interest-only structures, and lender requirements before you apply.
No Compromise, Just Maximize.
How to Apply for an Investment Loan
Consultation
Speak with our specialists to discuss your investment goals.
Tailored Loan Options
We assess your financial position to offer the best loan solution.
Fast Approval
Get your loan approved swiftly to capitalize on investment opportunities.
Flexible Repayments
Manage your loan with repayment options that suit your financial strategy.
What Our Clients Say About Prosper Loan Experts
Real stories from satisfied clients who found the perfect loan solutions with our help.
Francois Benier-Alleaume
10 months ago
Extremely happy with Bal. He has helped us out tremendously. I wish i had meet him earlier as I would have saved allot of money.
Highly recommended A+++
Sachin Sharma
2 years ago
I had an excellent experience working Bal Gautam. His expertise and dedication made the home-buying process smooth and stress-free. He was always responsive and went above and beyond to find the perfect home for me. I highly recommend Bal and his team services to anyone in search of their dream home. Thank you!
James Grady
8 months ago
Amazing service, fast turnaround around and very helpful throughout the whole process. I couldn't be more happy with the service and advice given throughout the process.
Highly recommended!!
Ann Pradhan
2 years ago
Bal was available anytime if we had any queries and responded efficiently .He kept us informed throughout the process. We really appreciated the service we were provided and recommended Bal.
Frequently Asked Questions
What is an investment property loan?
An investment property loan is finance used to buy or refinance a property intended for rental income, capital growth, or long-term portfolio building. It is different from an owner-occupied home loan because lenders assess the property as an investment and may consider rental income, deposit size, loan structure, and your financial position.
How do investment loan rates work?
Investment loan rates vary by lender, loan type, loan-to-value ratio, repayment structure, credit profile, and whether the loan is fixed, variable, or interest-only. Prosper Loan Experts helps property investors review investment home loan rates and understand which loan options may suit their goals.
What is an interest-only investment loan?
An interest-only investment loan lets you pay only the interest for a set period, instead of paying both principal and interest from the start. Some property investors use this structure to manage cash flow, but repayments may increase after the interest-only period ends, so it is important to review the full loan structure before applying.
Can rental income help with an investment property loan application?
Yes, lenders may consider rental income when assessing an investment property loan application. The amount they accept depends on the lender, the property type, vacancy assumptions, your existing debts, and your wider financial profile. A broker can help explain how rental income may affect your borrowing position.
What documents do lenders usually require for an investment property loan?
Lenders usually ask for identification, proof of income, bank statements, current loan details, property information, and rental income evidence if available. Requirements vary by lender and loan type, so Prosper Loan Experts helps you prepare the right documents before applying for a loan for an investment property.
Can I use equity to buy an investment property?
Yes, some borrowers use equity in an existing property to help fund an investment property purchase. The lender will review your property value, current loan balance, income, debts, and repayment ability before deciding how much equity may be available.
Should I use an investment loan broker?
An investment loan broker helps compare lenders, loan structures, repayment options, and investment property loan criteria. This is useful because lenders assess rental income, interest-only options, deposit size, and investor risk differently. Prosper Loan Experts helps you review suitable investment loan options before you apply.
Can I refinance an investment property loan?
Yes, refinancing an investment property loan may help you review your rate, change repayment structure, access equity, or move to a lender that better suits your investment goals. Before refinancing, it is important to consider costs, loan features, rental income, and long-term plans.
Innovation
Fresh, creative solutions.
Integrity
Honesty and transparency.
Excellence
Top-notch services.
We are a top-rated mortgage and finance broker in Australia, trusted by individuals and businesses for expert support in home loans, car loans, investment loans, refinancing, private lending, and more.
LOANS & SERVICES
QUICK LINKS
Prosper Loan Experts Pty Ltd ABN: 93 676 188 211. Credit Representative #527574 is authorised under Australian Credit License #384704.
Disclaimer: Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. The information contained in this website is of a general nature and does not take into account your personal needs and requirements. The figures shown in the calculators do not constitute an offer for finance. Lender policy and conditions, fees and charges will apply. The information provided by the calculator is intended to provide illustrative examples based on the stated assumptions of your input. Results are a guide only and do not constitute financial advice or a guarantee of an outcome. You should always discuss your individual circumstances with a representative of Prosper Loan Experts Pty Ltd T/A Prosper Home Loans.
© 2026. Prosper Loan Experts. All Rights Reserved. Powered by The Development Agency