Find out how lenders assess your investment loan - and which ones suit your structure.
A short assessment from Jason or Steve. We review your serviceability, rental income treatment, and loan structure options across 60+ lenders. No fee from us - the lender pays us when your loan settles.
Jason does the legwork. Your part is one 15-minute call.
Jason structures investment loans for long-term cash flow and growth, matching the right lender and loan type to your investment strategy across 60+ lenders.
He specialises in complex investment structures: multiple properties, trust and company ownership, self-employed investors and portfolio strategy. Steve Chin works alongside him with first-time investors, from rental yield to choosing the right lender for a first investment.
One call, 60+ lenders, and a structure built with your next purchase in mind.
The right structure matters as much as the rate
- Interest only or principal and interest - interest only is common for investment loans. We assess whether it makes sense for your position.
- Rental income - lenders shade rental income differently when calculating serviceability. We match your income type to the right lender.
- Equity and cross-collateralisation - whether using equity from your owner-occupied home is appropriate, structured to avoid unnecessary cross-collateralisation where possible.
- Future purchase capacity - your current investment loan structured with your next purchase in mind.
What can catch investors out
- Lenders do not count all your rent. Most apply a shading factor, often 70% to 80% of actual or expected rent.
- Interest only does not reduce the loan balance. Repayments are lower, while principal and interest builds equity over time.
- Mixing home and investment debt. We structure the lending to keep them appropriately separated.
- The wrong structure today can lock you out of future opportunities.
- Self-employed income is assessed differently. Lender selection and documentation requirements differ from PAYG applicants.
Lendology structures the lending. We recommend discussing the tax implications with your accountant.
From strategy discussion to settlement
Investment strategy discussion
Your goal - cash flow, equity growth or a combination - and how this property fits into your broader portfolio.
Serviceability and cash flow assessment
Across different lenders, factoring in rental income assessment methods that vary significantly between lenders.
Loan structure recommendation
The right repayment type (principal and interest or interest only), loan features and lender for your cash flow position.
Application and settlement
We manage the application, rental income verification, valuation and settlement, liaising with your property manager and conveyancer.
What clients say
The questions people ask us
How do lenders assess rental income?
Lenders typically apply a shading factor to rental income when calculating serviceability - often 70% to 80% of actual or expected rent. Some lenders are more favourable for investors with multiple properties or certain income types. Lendology identifies the most favourable lender for your situation.
Can I use equity from my home to buy an investment property?
Yes - if you have sufficient equity in your owner-occupied property, you can use it as a deposit for an investment purchase. Lendology assesses whether this makes sense for your situation and structures the lending to keep your home and investment debt appropriately separated.
Can I get an investment loan if I am self-employed?
Yes. Self-employed borrowers can access investment loans, but lender selection and documentation requirements differ from PAYG applicants. Lendology specialises in self-employed lending and identifies the lenders most likely to assess your income favourably.
Do your own homework
Find out where you stand in 15 minutes, then decide.
We review your serviceability, rental income treatment and loan structure options across 60+ lenders, with no obligation to proceed.
No fee from us. The lender pays us when your loan settles.