Investment loans
Building a portfolio, including trust structures? We structure lending around your strategy, not the bank's.
Who it’s for
Investors growing a property portfolio, including more complex structures.
Book a free chatWhether you are buying your first investment property or adding to a portfolio, structure matters. The right loan setup protects your borrowing capacity for the next purchase and keeps your strategy on track.
Andrew works with investors on straightforward and complex scenarios alike, including trust lending, and is comfortable navigating the detail that trips other brokers up. One of his Google reviewers came to him precisely because their situation was complex with trusts, and found him patient and innovative in sorting out the right options.
For investors, the decisions that matter go beyond the rate: interest-only versus principal and interest, how an offset account affects your tax position and cash flow, whether to cross-collateralise or keep loans standalone, and how each purchase affects your ability to borrow for the next one. Getting the structure right early is what lets you keep building rather than hitting a wall at property two or three.
Andrew is happy to work alongside your accountant or financial adviser so your lending lines up with your broader strategy, and he helps investors across Brisbane and South-East Queensland. Most of the process can be handled by phone, email and video, so location is never a barrier.
How Andrew helps
- Structure lending to protect future borrowing capacity
- Compare interest-only, offset and fixed options for your strategy
- Handle complex scenarios including trust structures
- Coordinate with your accountant or adviser where needed
Borrowing power
A quick guide to what you might borrow
+ more detail
Indicative guide only, using a buffered assessment rate. Not an approval, quote or credit advice. Your real capacity depends on the lender.
Common questions
If yours isn’t here, just ask Andrew below.
Does using a mortgage broker cost me anything?
In most cases, no. Brisbane City Home Loans is paid a commission by the lender you choose once your loan settles, so our service is generally free to you. If a fee ever does apply to your situation, we tell you in writing before you proceed, so there are never surprises.
Why does loan structure matter for investors?
The way an investment loan is set up affects your tax position, your cash flow and how much you can borrow next time. Getting the structure right early protects your ability to keep building. It is worth structuring with your strategy in mind rather than just taking the first product offered.
Can you arrange a trust loan?
Yes. Lending inside a trust has extra rules and fewer lenders, but Andrew is experienced with these structures and comfortable with the detail. We can coordinate with your accountant or adviser to keep everything aligned.
How much can I actually borrow?
Your borrowing power depends on your income, existing debts, living expenses, deposit and the lender. Two lenders can assess the same person quite differently. The fastest way to get a real number is to use the borrowing power calculator on this site for a guide, then have Andrew confirm it properly against the lenders most likely to say yes.
Brisbane locals, sorted
Prompt, communicative and professional, Andrew is exceptional at what he does! He's helped several people in my family/circle with their home loans and I've heard nothing but positive feedback. Would highly recommend!
Andrew has helped us on two occasions and is always super helpful, professional, and great at his job. We have recommended him to all our friends and they say the same thing. He is always available and able to work with you to get a successful lending outcome. Could not recommend Andrew more!
Andrew was amazing. He worked with us to refinance our home loan. Answered my never ending questions, responded to emails and messages promptly and explained every step along the way. We will be using Andrew from now on.
Real, verbatim Google reviews. See more on our Google profile.
No such thing as a dumb question
Not ready to "apply" for anything? Perfect. Ask Andrew whatever is on your mind, with zero obligation.
- No obligation, no sales pitch
- A real human reply, not a bot
- Free, like the rest of the service