Interest only or principal and interest
Compare cash flow and total interest outcomes in plain English so you can choose with confidence.
Investment home loans • Adelaide
Build your portfolio with confidence
Build your portfolio with confidence
Clear structure and smart choices
We help Adelaide investors compare products, choose the right structure and plan cash flow. Interest only or principal and interest, offsets and splits, explained in plain English.
Five star Google rating
Local in house team
Clear lender comparisons
Support you can trust
How we help investors
Offsets and smart splits
Set up offsets and splits to manage cash, separate purposes and keep flexibility for future plans.
Use equity well
Plan valuations and buffers. We structure deposits and costs so day to day finances stay simple.
Clear comparisons
Side by side lender options with rates fees and policies that matter to investors in Adelaide.
Structured support for your investment
Make every dollar work harder
Whether it’s your first investment or part of a broader strategy, we’ll help you structure your loans to suit your goals and maximise long term outcomes.
Step by step clarity
Your investment roadmap
1
Define your strategy
We talk about growth, rental yield, tax position or future goals — and shape lending around your plan.
2
Review your position
We confirm equity, income, buffer, existing debt and risk comfort before presenting options.
3
Explore ownership paths
Personal, joint, company or trust — we explain what suits your strategy and why.
4
Estimate borrowing power
We model borrowing limits including potential rental income — and how to optimise serviceability.
5
Compare smart investor loans
We show options across fixed, variable, interest only, offset or redraw — with investment in mind.
6
Structure for future growth
We recommend loan splits or setups that allow flexibility if you plan to expand your portfolio.
7
Lodge and liaise
We manage the application, coordinate with professionals and work through lender requirements.
8
Settle and support
We help with approvals, property transfers and ongoing advice as your portfolio grows.
Be ready to invest
What you will need
A clear checklist and the right tools so your application is strong and your structure supports future plans.
✓
ID and residency
Drivers licence or passport, Medicare card, and residency documents where relevant.
✓
Income and tax
Recent payslips or financials for self employed clients, latest tax returns and notices of assessment.
✓
Existing loans and limits
Statements for home loans, personal loans and credit cards so we can confirm balances and limits.
✓
Rental evidence
Current lease or rental appraisal if available, plus expected vacancy assumptions for lender calculators.
✓
Deposits and equity
Bank statements that show genuine savings or equity release plans if you are using another property.
Structure and setup
We will help you choose a lending setup that matches your goals and works with your accountant’s guidance.
Interest only or principal and interest
Offset and redraw strategy
Single name or joint ownership
Trust or company lending
Buffers for rates and repairs
Plan for future purchases
General information only. Approvals are subject to lender criteria and suitability.
Why investors choose us
Smarter lending for property growth
From first-time investors to seasoned portfolios, we help structure loans to maximise flexibility, tax effectiveness and long-term returns.
Strategic structures
Offset accounts, interest-only loans and fixed-split blends matched to your investment goals.
Tax-smart lending
We work with your accountant to align loans with deductibility and cash flow strategy.
Equity planning
Access equity from existing properties to fund future purchases or renovations.
Trusted advice
Our BID obligation means we act in your best interest — not the lender’s. Always.
Investor toolbox
Plan your next move with the right tools
Run the numbers, test structures and see how changes to repayments or rates affect your plan.
Borrowing power
Estimate how much you can borrow based on income, commitments and expected rent.
Compare rates
See product differences quickly then let us confirm fees policy and structure fit.
Extra repayments
Model how extra payments or offsets could change interest and time to pay down.
Stamp duty
Estimate upfront costs so your buffer and cash flow planning stay realistic.
Confident investing
Ready to take the next step
Whether it’s your first or fifth investment property, Lendology helps you structure it right from the beginning.