Build your property strategy with the right loan structure
Investment lending requires more than choosing a rate. We help you consider serviceability, loan structure, cash flow and lender policy as part of your broader property strategy.
Clear guidance, tailored to your circumstances
Investment Purchase
Finance for a new investment property purchase.
Equity Strategy
Understand how usable equity may contribute to future investment plans.
Cash Flow
Consider repayments, loan type and buffers alongside rental income.
Loan Structure
Review splits, offsets and facility structure for practical flexibility.
Portfolio Lending
Assess lender exposure and serviceability across multiple properties.
Ongoing Support
Review finance as your portfolio and goals evolve.
What clients often ask
How much can I borrow for an investment property?
Borrowing capacity depends on income, existing commitments, rental income treatment and lender policy.
Should I use interest-only repayments?
Interest-only lending may suit some strategies but involves trade-offs. The right structure depends on your objectives and lender policy.
Can I use equity for a deposit?
Subject to valuation, lender policy and serviceability, usable equity may form part of an investment funding strategy.
Ready to discuss your lending goals?
Talk to Harness Lending about your objectives and the options that may suit your circumstances.