Don't rely on your current bank. Different lenders value properties differently, affecting your usable equity and LVR.
Investment Home Loan
Investment loan expertise to guide your investment property portfolio.
No Obligations
5.0 Stars Based on 151 user reviews
Thinking about an investment property?
Most investors we speak to already have the deposit sitting in their home equity. You don't always need cash savings to get started.
Picking the right lender matters more than most buyers expect. Valuations vary by tens of thousands across the 50+ lenders we compare, and that one number drives your usable equity, LVR (loan-to-value ratio), rate and whether LMI (lenders mortgage insurance) applies.
Then there's serviceability. Each lender treats your income, existing debts and rental income differently. Your current bank often isn't the best fit, even when they say yes.
We've seen plenty of investors hit a wall because the first loan wasn't set up with another purchase in mind. We structure for the portfolio, not just the purchase in front of you.
Let's look at the numbers first
Book a free 20-minute call with Victor. We'll work out your borrowing power, look at the equity you can access through a refinance if that's the path, and map a structure that keeps your options open for the next purchase.
Top 5 tips for taking out an investment property loan
Use interest-only strategically. It can improve cash flow on investment loans while you pay down your home loan faster.
Protect future borrowing. Avoid cross-collateralisation to keep each property and loan separate.
Don't chase 80% LVR at all costs. Paying LMI can sometimes help you enter the market sooner and benefit from earlier growth.
Valuations matter. They determine your equity, deposit, LVR, LMI and even your loan options.
Our Process
How we structure your investment loan
Five steps, no surprises. Here's what working with us actually looks like.
Free 20-minute call
We start with a [free 20-minute call](https://www.blackk.com.au/book-now). You tell us what you're trying to achieve over the next five years. A second property, a portfolio, early retirement. Whateve...
Compare 50+ lenders and valuations
We shortlist lenders based on your situation, then order property valuations where it matters. This is where the difference is made. The same property can value $40,000 apart between two lenders, and...
Recommend the structure
We walk you through the recommendation on a video call. Interest-only or P&I, offset account, split loans, target LVR, which lender and why. You ask questions. You sign off when you're comfortable.
Application and lender liaison
We handle the application, document chase and lender back-and-forth. You get updates at each stage. Our approval rate last financial year was 99.6%, so by the time we lodge, we know it's going through
Buying your first home, self-employed, low on deposit, or weighing rentvesting instead? See first home buyer loans, self-employed home loans, buy investment property no deposit, or rentvesting is a good idea.
Testimonials
See what clients say about our service
5.0 Stars
Based on 176 user reviews
Rob & Laura
“Victor and the team went above and beyond to ensure we secured the property we wanted. They took the time to explain the steps involved during the buying process, their communication was excellent and knowledge of the market second to none. These guys were a pleasure to deal with and we would absolutely use again. Highly recommend.”
Dylan & Bree
“My fiancé and I are both self-employed and we were concerned about finding a lender who would cater to our situation. Thankfully, Victor and Christal made the entire financing process a breeze. They were extremely prompt with all communication, super professional, offered an enormous amount of industry knowledge, and most importantly, they helped us secure our family home...
Isabelle & Wayne
“Thank you Victor and the team you made our home loan journey a happy, stress free experience. We were updated at every step and Victor’s advice in the early stages was invaluable to us securing our loan. We need more community minded, person centred business’ like this. Would recommend Blackk Mortgage Brokers to anyone looking for genuine financial advice with no hidden agenda.”
Work with Victor, Queensland's investment loan specialist
You deal directly with Victor Kalinowski. Not a call centre, not a junior.
- 19+ years in lending, principal broker
- In business since 2007, thousands of Queensland families helped
- 99.6% of loans approved last financial yea
- 50+ lenders compared
- Australian Credit Licence, Best Interest Duty
- Local brokers in Brisbane, Gold Coast and Sunshine Coast
No fee to you. We're paid by the lender at settlement.
Frequently Asked, Clearly Answered
Usually enough to cover a 20% deposit plus costs on the new property without pushing your home loan above 80% LVR. So on a $600,000 investment, you'd typically want around $150,000 of usable equity. Less is possible if you're comfortable paying LMI on the new loan.
Yes. Most of our investor clients do exactly this. We restructure your existing loan to release equity, which becomes the deposit and costs for the investment property. Two standalone loans, no cross-collateralisation.
Interest-only often suits investors with non-deductible home debt, because it directs cash flow to paying down the home loan first. P&I builds equity faster and rates are usually lower. We'll model both for your situation.
Lenders look at your income, existing debts, living expenses and around 70-80% of expected rental income. Each lender calculates this differently. If you're self-employed, the spread between lenders gets even wider.
Usually by 0.2-0.5%, and interest-only adds a little more. The gap is smaller than it used to be.
No. The lender pays us at settlement. There are rare exceptions for very complex situations, and we'd tell you upfront if that ever applied.
Work with Victor, Queensland's expert in home loan approvals
He’s here to guide you personally through every step, making sure your loan gets approved smoothly and stress-free.
