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Investment Property Loans

Investment Property Loans NSW

Take the First Step Towards Building Your Property Portfolio

Whether you’re a seasoned investor or exploring your first rental property, securing the right investment property loan in NSW is essential to building long-term wealth. At Kesh Finance Solutions, we help Australians make informed, strategic decisions with tailored finance solutions for residential and commercial investment properties.

We understand the ins and outs of investment lending, tax implications, rental yield considerations, and equity growth strategies. With over 20 years of experience in the finance industry, we’re here to help you structure your loan for long-term success—while keeping the process simple and stress-free.

What Is an Investment Property Loan?

An investment property loan is a type of financing used to purchase a property to generate income or capital growth, rather than occupying it as your primary residence. This loan is ideal for individuals seeking to build wealth through real estate investment in NSW, generate rental returns, or capitalise on the tax benefits available to investors in Australia.

How Investment loans differ from standard home loans?

Requiring a larger deposit (usually 10–20%)

Having stricter lending criteria and risk assessments

Offering different repayment options like interest-only terms

Involving slightly higher interest rates (compared to owner-occupied loans)

Key Investment Property Loan Strategies to Know

Use Home Equity to Fund Your Investment Loan

  • Equity as Deposit
  • Avoid Lenders Mortgage Insurance (LMI)
  • Increase Borrowing Capacity

Structure the Loan to Support Your Investment Goals

  • Interest-Only for Cash Flow
  • Split Loans for Rate Management
  • Offset Accounts to Reduce Taxable Interest

Tailor Your Loan to the Investment Property Type

  • Stricter Criteria for High-Risk Properties
  • Rental Income Assessment
  • Valuation Differences

Note: Strategy eligibility and borrowing amounts may vary by lender and location. We’ll guide you through what applies to your specific situation.

How We Can Help You

At Kesh Finance Solutions, we make investment property lending in NSW easy to understand and easier to achieve. We guide you through the process from pre-approval to settlement and beyond, providing expert advice at every stage.

We’ll help you:

Access competitive investment property loan rates

Compare multiple lenders and products to find the right fit

Structure your loan for tax efficiency and positive cash flow

Decide between fixed and variable rate options

Understand interest-only vs principal & interest repayments

No matter your experience level, we simplify the process while helping you grow your property portfolio across NSW with confidence.

Types of Properties You Can Invest In

Whether you’re looking to buy your first rental apartment or expand into commercial real estate in NSW, we help you secure funding for:

  • Residential investment properties (houses, units, townhouses)
  • Dual occupancy properties
  • Commercial or industrial properties
  • Vacant land for development
  • Student accommodation or NRAS-eligible properties

We’ll tailor your loan based on the property type and the expected rental income.

Investment Property Loan Rates

  • Loan-to-Value Ratio (LVR)
  • Credit history and income profile
  • Rental income potential
  • Fixed vs variable interest rates
  • Type of lender (bank vs non-bank)

Why Choose Kesh Finance Solutions?

20+ Years of Experience

We’ve helped hundreds of Australians enter and grow in the investment property market.

Wide Panel of Lenders

We give you access to competitive loan options from major banks, credit unions, and non-bank lenders operating in NSW.

Expert Investment Insights

We’ll help you evaluate the rental yield, costs, and long-term value of your investment decisions.

Personalised, Ongoing Support

From strategy planning to property settlement, we’re with you every step of the way.

Completely Free Service

Our service is completely free—we’re paid by lenders only when your loan successfully settles.

Frequently Asked Question

Yes. Interest on the loan and other property-related expenses may be tax-deductible. We recommend speaking with a tax advisor for specific guidance.

Yes. Many Australians use equity in their current property as a deposit or security for purchasing an investment property.

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