A history of strong capital gains and a need to ‘touch and feel’ an investment are key factors which drive investors into the relative security of residential property.

Additionally, population growth predictions, lack of available land for development and a subsequent shortage of rental accommodation in most capital cities offers an attractive opportunity for those wishing to start or grow a residential property portfolio.

The cost, conditions, and structure of your investment loan will play a big part in your success. The key is to manage risk versus return and that’s where we can help.

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Get the right investment loan structure

Your Green Team finance broker will work closely with you to understand your financial goals, risk tolerance, and investment strategy, ensuring we find the loan package that suits your needs and sets you up for success.

How your investment opportunity is positioned with the bank or lender will go a long way to determining your loan terms and conditions, including your level of discount.

Offering additional security (such as your own home) for the loan can be a way of securing a lower rate loan but it isn’t the only way, nor is it always the better option.

Investment loans can be either as basic as your standard home loan or a little more complex to help with tax minimisation, gearing and repayment management. Loan options include:

  • variable rate loan
  • fixed rate loan
  • combination – variable and fixed rate
  • line-of-credit
  • principal and interest loan
  • interest-only loan

Loan features such as redraw, offset and the ability to make additional repayments are also available.

As with any investment decision we recommend you also talk to your accountant or financial planner for an appropriate analysis of your specific financial position.

A quick guide to investing in property

Before diving into the world of residential property investment, you’ll need to consider the following:

  • Your Investment Strategy: Determine whether your goal is to have positive cash flow (i.e. rental income covers mortgage repayments), or negative cash flow, also referred to as negative gearing (i.e. you are primarily seeking tax benefits).
  • Your Borrowing Capacity: Based on your investment strategy we’ll provide you with an overview of how much you can borrow from a selection of lenders and the associated loan costs. It may surprise you to know it will vary from lender to lender.
  • Choosing the right Investment Loan: From here we’ll provide you with a range of loan options that align with your cash flow and capital growth goals. You can compare your options and decide on your preferred loan and lender.
  • Obtaining Loan Pre-Approval: Securing a formal pre-approval for your investment loan is a crucial step in the purchasing process. It puts you in prime position to sign a contract or bid with confidence when you find the right property.
  • Selecting the right Suburb and Property Type: When comparing investment properties, prioritise the tenant appeal of each property. Ask yourself if the property can attract good, long-term tenants, as this greatly impacts the property’s profitability.

Whether you are purchasing your first investment property or adding to your portfolio your Green Team finance broker has the investment lending knowledge and experience to find you a better deal. Get in touch today.

Our Investment Loan Specialists

Daniel Green


Australia's leading hospitality, accommodation and childcare finance specialist and winner of Australian Broker of the Year 2022.

Beth Rachel

Finance Consultant - HERVEY BAY

Whether you are purchasing a new home, investment property or small business or simply want to save on your existing loans, Beth Rachel is an experienced ex-banker who knows what it takes to get a better finance deal.

Carlo Ponturo

Finance Consultant

An accomplished finance professional offering clients a depth of knowledge gained from more than a decade in the banking and finance industry.

Dimitri Grespos

Finance Consultant

Dimitri Grespos’ award-winning career in banking and finance spans three decades specialising in private, corporate, and commercial sectors.

Hamish George

Finance Consultant

An accomplished finance professional who provides the individualised care and confidentiality of a private banking experience, without the added expense.

James Blackshaw

Private Banking Consultant

With almost 30 years’ banking and finance industry experience to his credit, James Blackshaw knows what it takes to negotiate a better outcome on your behalf.

James Kelder

Finance Consultant

One of Australia's most in-demand commercial finance brokers and awardee of Best Finance Broker 2024 (Better Business Awards), James specialises in commercial property investment and development finance.

Karen Donato

Finance Consultant - CAIRNS

With access to over 60 lenders and hundreds of home loan products I can provide you with the choice you need to negotiate a better deal on your home, investment, or business loans. Currently assisting clients based in Edge Hill, Edmonton, Bayview, Earlville, Cairns City and surrounding suburbs.

Lance King

Finance Consultant

Lance King is an award-winning private banker turned finance broker, with a reputation for expertly managing complex financial portfolios for high-net-worth individuals, families and business owners.

Nathan Baumgart

Finance Consultant

Whether you are a first homebuyer, an experienced property investor, wishing to renovate or upgrade, or you simply want to save money on your existing mortgage, Nathan has the lending knowledge and experience to help you find savings with a better home, car or personal loan.

Paul Steele

Finance Consultant

Whether you need a home or investment loan, Paul is an award-winning finance broker with the experience and knowledge to help you save money off your home finance.

Richard Smith

Finance Consultant - CAIRNS

A business finance professional with extensive experience in all aspects of commercial funding, equipment finance and home loan lending.

Rodney Weir

Finance Consultant - CAIRNS

Rod Weir has dedicated his career to helping homebuyers and business owners to save money with a better finance deal.

Terri Johnson

Mortgage Broker - ROCKHAMPTON

A home loan and investment loan specialist who offers experience and knowledge gained from a career spanning almost three decades in banking and finance.

Will Dalton

Finance Consultant, BBus(Finance)

A home loan expert who knows what it takes to find you a better finance deal.


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