AFG Broker Awards – Top 50 Mortgage Broker Finalist NSW/ACT
Recognised as one of Australia’s broking leaders.
Investment Loans
Investment lending that supports long-term wealth
The difference between a good investment and a great one often comes down to how it's financed. Rate, structure and flexibility aren't just loan features, they're levers. And knowing which ones to pull is where the right broker earns their keep.
At EQ Lending, we work with investors from first purchase through to multi-property portfolios. With access to 40+ lenders, we go beyond the headline rate, comparing loan structures, offset features, interest-only terms and borrowing capacity strategies to find the setup that maximises your position.
Your investment goals drive the brief. We build the finance around them.
Investment Loans
Interest Rates & Repayment Options
Interest Rate Type
Variable Rate
A variable rate can move up or down depending on market conditions, offering greater flexibility and potential savings if interest rates decrease.
Fixed Rate
A fixed rate locks in your interest rate for a set period, providing certainty around repayments and protecting you from interest rate increases during that time.
Repayment Type
Interest-Only
With interest-only repayments, you pay only the interest portion of the loan for a specified period. This can help reduce short-term repayment costs and improve cash flow flexibility.
Principle & Interest
Principal and interest repayments reduce both the loan balance and interest over time, helping you build equity in your property faster while paying off the loan progressively.
Our Commitment
Our Promise
One on One Support
We provide a dedicated lending specialist for every client, guiding you through the loan process from start to finish.
Solutions Driven
Unlike traditional banks, we evaluate your unique financial situation and present options that truly work for you.
Industry Expertise
From home loans to construction and private lending, we are your personal hub for smarter finance solutions.
How much deposit do I need for a residential investment property?
Deposit requirements vary depending on the lender, property type and your financial position. In many cases, investors may be able to borrow using equity from an existing property rather than relying solely on cash savings.
Should I choose interest-only or principal and interest repayments?
This depends on your investment strategy and financial goals. Interest-only repayments can improve short-term cash flow, while principal and interest repayments help reduce the loan balance over time. EQ Lending can help you compare both options and guide you based on your unique goals.
Can I use equity from my current property to invest?
Yes. Many investors use equity from their existing home or investment property to help fund a deposit or purchase costs for another property. Our specialists can assess your available equity and borrowing capacity.
How do lenders assess investment loan applications?
Lenders consider factors such as your income, existing debts, living expenses, rental income potential and overall financial position. EQ Lending helps present your application strategically to maximise your chances of approval.
How does EQ Lending help residential property investors?
We compare loan options across a panel of over 40 lenders, explain different loan structures and guide you through the entire process to help you secure a lending solution aligned with your investment goals.