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INVESTMENT PROPERTY LOANS

Build your property portfolio with confidence

Whether you're purchasing your first investment property or expanding an established portfolio, the right finance strategy can make all the difference. We'll help you structure your lending to support your long-term investment goals, compare options across 70+ lenders and guide you through every step of the process.

In our experience, this is going to be easier than you think.

Discuss investment loan options

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We help you structure your portfolio for success

Every property investor has different goals, so there’s no one-size-fits-all approach to investment finance. The way your loans are structured can impact your flexibility, borrowing capacity and future opportunities.

We’ll take the time to understand your objectives, recommend a lending structure that aligns with your strategy and manage the process from application through to settlement.

Where needed, we’ll also work with your accountant and financial planner to ensure your finance structure supports your broader financial strategy.

Discuss investment loan options

Why property investors choose Soho?

Strategic Loan Structures.

We'll help you understand the lending structures available and recommend an approach that provides flexibility as your portfolio grows.

Access to 70+ Lenders.

Every lender assesses investment lending differently. We compare a wide range of lenders to find a solution that's tailored to your investment strategy.

Collaborative Advice.

We'll happily communicate with your accountant and financial planner to ensure your finance structure works alongside your overall financial plan.

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“I cannot speak highly enough of Hayden and the team at Soho Financial! Throughout the process of refinancing my complicated portfolio, they demonstrated exceptional expertise and dedication.”

From our initial meeting, Hayden took the time to thoroughly understand my financial situation and objectives, and he consistently went above and beyond to identify the best refinancing options to suit my needs.

The responsiveness and communication from Hayden is unmatched. He kept me informed at every stage of the process, promptly addressing any questions or concerns I had. He made me feel confident and reassured throughout the entire journey.

I wholeheartedly recommend Soho Financial to anyone seeking a professional, responsive, and highly skilled financial team. Thank you, Hayden, for your outstanding efforts and for helping me achieve my financial goals!

- Josh H

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Your investment strategy evolves.
Your lending should too.

It may be time to review your investment finance if:

✓ You're purchasing your first investment property

✓ You're planning to grow your property portfolio

✓ You'd like to access equity from an existing property

✓ Your borrowing capacity has changed

✓ You're looking to improve cash flow

✓ You're considering restructuring your existing loans

✓ Your financial goals have evolved

If any of these sound familiar, we'd love to review your current lending and explore opportunities to better support your investment journey.

Frequently Asked Questions

We've answered some of the most common questions about investment property finance below. If you can't find what you're looking for, our team is always here to help.

  • In most cases, our clients aren’t using their own savings to fund the deposit for their new investment property. Many withdraw equity from one of their current properties to use as a deposit for a future purchase.

    At Soho Financial, we can help you restructure your existing loans to facilitate the purchase of an additional property.

  • When purchasing an investment property, or when purchasing a property to live in with the intention of renting out your existing one, you can use future rental income to demonstrate affordability to the lender. This can be done by providing a rental quote from a licensed property manager or a valuation of the property from a licensed valuer.

    At Soho Financial, we can assist with this process and even refer you to a licensed property manager.

  • The two primary loan types to consider are interest-only loans and principal and interest loans.

    Interest-only loans allow you to pay only the interest for a set period, maximising cash flow in the short term. Principal and interest loans, on the other hand, require you to repay both the principal and the interest, which gradually reduces your overall debt. 

    At Soho Financial, we can help you choose a loan structure that aligns with your investment strategy, whether you’re looking to maximise cash flow or reduce debt over time.

Ready to Grow Your Portfolio?

Whether you're purchasing your first investment property or expanding an established portfolio, we're here to help you make confident finance decisions.