Your next home and investment journey
Buying an investment property is a powerful strategy for growing wealth, with benefits like rental income, tax deductions, and long-term capital growth. Whether you’re upgrading your family home or expanding your portfolio, G-Loans helps you secure the right loan.
Principal & Interest, $150k over 25 years
Interest-only options available
*Comparison rates based on $150,000 secured loan over 25 years. Warning: comparison rate true only for example given. Different terms/fees may result in different comparison rate.
Your deposit & equity power
Deposits can be built from genuine savings plus equity in your existing property. Many lenders allow up to 95% LVR for investment loans. Use our calculator to estimate usable equity.
Estimate your usable equity
Your usable equity estimate:
*Lenders typically allow 80% of property value minus existing loan. Actual equity may vary based on valuation & lender policy.
Get an accurate valuation from our partner panel – free and no obligation.
Why use equity?
Accessing equity in your current home can fund your next deposit without needing to save a large cash amount. It's one of the smartest ways to grow your portfolio.
Example: $800k home, $400k loan → usable equity = $800k x 0.8 - $400k = $240,000 towards your next deposit.
Have you considered rentvesting?
Rentvesting lets you continue renting where you want to live, while buying an investment property in a more affordable area. It's a popular strategy for first-time investors and upgraders alike.
As your investment property appreciates, you can use the equity to later buy a home in your preferred location. Many Australians are using rentvesting to step onto the property ladder sooner.
Your ability to make repayments
Lenders assess your employment income, existing debts, and living expenses. For investment loans, they also consider a portion of your expected rental income (usually 75-80%).
The larger the gap between your income and expenses, the more comfortable lenders will be approving your next home or investment loan.
Choosing the right loan type
Interest-only loans offer lower repayments initially, freeing up cash for other investments. Rental income may fully cover the interest, but you're not reducing the principal. At the end of the interest-only term, repayments may increase.
Principal & Interest loans build equity faster and often attract lower rates. We'll help you compare both options based on your risk profile and long-term goals.
⚠️ Interest-only loans can be riskier if your financial position changes. Speak to a G-Loans broker to understand all pros and cons before deciding.
Why partner with a G-Loans broker?
We make your next move smarter and faster
Ready to take the next step?
Talk to a G-Loans investment & next-home specialist today – obligation free.
Book a free strategy session