Investment · Perth

Investment Property Loans in Perth.

An investment property loan in Perth lets you release equity, structure a portfolio and grow your wealth without dipping into savings. We compare more than 30 lenders on interest-only, offset and SMSF lending, finance investments in suburbs like Subiaco and Mt Lawley, and match the structure to your strategy. Most clients pay no fee.

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$1.2B+ settled
280+ 5.0★
since 2015
Osborne Park

5.0 · 280+ Google reviews

ACL 497 950 MFAA Member 30+ lenders compared

Local expertise

Build a Perth property portfolio that holds up.

Property investing rewards structure, and structure is where a good broker earns their place. Directors Dave Phelan and Harj Dhillon have settled over $1.2 billion between them and finance Perth investors every week, from first investment properties to multi-property portfolios held across several lenders.

Perth has its own rhythm. Established inner suburbs like Subiaco and Mt Lawley offer reliable rental demand and capital growth, while coastal pockets like Scarborough and Fremantle attract a different tenant. We match the loan, the structure and the lender to the suburb and the strategy, not the other way around.

We also keep your portfolio borrowable. By structuring loans across lenders sensibly and keeping your servicing position healthy, we help you stay positioned for the next purchase rather than hitting a wall after property two. Dave brings development finance experience for investors going further than a single rental.

The basics

How do investment property loans work?

An investment property loan funds a property you intend to rent out. Lenders assess your income, existing debts and the expected rent, then lend against the property. You can structure it with interest-only repayments, an offset account, or equity drawn from a property you already own.

What is interest-only and who does it suit?

Interest-only means you pay only the interest for a set period, keeping repayments lower. It suits investors focused on cash flow or holding for capital growth, and can have tax considerations. Principal and interest builds equity faster. We model both so you choose with eyes open.

How does an offset account help investors?

An offset account is a transaction account linked to your loan. Every dollar in it reduces the balance you pay interest on, without locking the money away. For investors it can cut interest while keeping cash accessible for the next deposit, repairs or holding costs.

What about SMSF property lending?

A self managed super fund can borrow to buy property using limited recourse borrowing. The rules are stricter and the structure matters, so we compare SMSF-friendly lenders and work alongside your accountant or adviser. We arrange the lending, not the tax or financial advice.

Compare the structures

Interest-only, offset or principal and interest?

Each structure suits a different investor. Here is the honest comparison.

Investment loan structures compared
Structure	Repayments	Builds equity	Best for
Interest-only	Lower in the IO period	Not during IO period	Cash flow focus, holding for growth
Principal & interest	Higher	Yes, from day one	Paying the loan down faster
P&I with offset	Higher, offset by linked savings	Yes, and faster with offset	Investors keeping cash accessible
SMSF (LRBA)	Set by lender, stricter terms	Within the fund	Buying property inside super

General information only, not tax or financial advice. We arrange the lending and recommend you confirm tax outcomes with your accountant.

Run the numbers

What could you borrow for an investment?

Check your borrowing power, repayments and offset savings, then book a free chat to structure it properly.

Borrowing power

Borrowing power calculator

Get an indicative maximum loan based on your income, expenses and existing commitments.

Estimate now → Offset

Offset calculator

See how an offset account could cut your interest and shorten your loan.

Calculate → Repayments

Repayment calculator

Compare indicative interest-only and principal-and-interest repayments.

Calculate →

Straight answer

Does an investment loan cost more through a broker?

Most clients pay Central Lending Solutions no fee. The lender pays the broker a commission when your loan settles, so our service is free to most investors. We are bound by the Best Interests Duty, in force since 1 January 2021, which legally requires us to act in your interest.

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Common questions

Perth investment loan FAQs.

How do investment property loans work in Perth?

An investment property loan funds a property you intend to rent out. Lenders assess your income, existing debts and the expected rent, and you can structure it with interest-only repayments, an offset account or equity from an existing property. We compare 30-plus lenders to match the structure to your strategy.

Should I choose interest-only or principal and interest?

Interest-only repayments keep your outgoings lower in the short term and can suit investors focused on cash flow or holding for growth. Principal and interest builds equity faster. The right choice depends on your tax position, cash flow and plans, so we model both and explain the trade-offs before you decide.

Can I use equity in my home to buy an investment property?

Yes. If your Perth home has grown in value you can often release equity to fund the deposit and costs on an investment property, without touching your savings. We structure the lending so your home and investment loans stay sensibly separated, which keeps your finances and tax position clean.

Can a mortgage broker help with SMSF property loans?

Yes. We can arrange limited recourse borrowing for a self managed super fund buying property, comparing lenders that offer SMSF loans. SMSF lending has stricter rules and we work alongside your accountant or financial adviser. We do not give tax or financial advice ourselves.

Which Perth suburbs suit property investors?

Investor demand in Perth is strong in established inner suburbs like Subiaco and Mt Lawley, where rental demand and capital growth are reliable, and in coastal pockets like Scarborough and Fremantle. We finance investments right across the metro area and match lending to the suburb and strategy.

Does an investment loan cost more through a broker?

Most clients pay Central Lending Solutions no fee. The lender pays the broker a commission when your loan settles. We are bound by the Best Interests Duty, in force since 1 January 2021, which legally requires us to act in your interest, not the lender's.

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