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Build Your Portfolio with Confidence
Investment property lending is a different game to owner-occupied finance. The right loan structure can make or break your investment returns, affecting everything from cash flow and tax deductions to your ability to purchase additional properties. Noryx Lending specialises in helping investors -- from those buying their first rental to seasoned portfolio holders -- secure finance that is strategically structured for long-term wealth creation.
WHY CHOOSE US
Interest-only repayments can improve your investment cash flow and may be more tax-effective for negatively geared properties. We advise on when interest-only makes sense and which lenders offer the best terms.
We work to ensure your loan structure maximises available tax deductions. This includes keeping investment debt separate from personal debt, setting up appropriate offset account arrangements, and advising on cross-collateralisation risks.
Many lenders want to cross-securitise your properties, but this can limit your flexibility and increase risk. We structure your loans to keep properties independently secured wherever possible.
We assess your capacity for multiple investment properties and create a lending roadmap that accounts for serviceability requirements, equity positions, and your long-term investment goals.
If you are looking to purchase property through a Self-Managed Super Fund, we have access to lenders who specialise in SMSF lending and can guide you through the unique requirements and restrictions.
We model different scenarios using expected rental income to determine your borrowing capacity across multiple lenders, as each uses different assessment rates for rental income (typically 70% to 80% of gross rent).
HOW IT WORKS
We review your existing properties, loans, and financial position to understand where you are now and where you want to be. We discuss investment goals, risk tolerance, and preferred property types.
We design a lending structure that optimises your tax position, protects your assets, and maximises your borrowing capacity for future purchases. We then select the products that best fit this structure.
We lodge your application with all necessary documentation including rental appraisals, existing lease agreements, and income verification. We manage the valuation process and respond to any lender queries.
After settlement, we add the new property to your portfolio review schedule. We monitor rates and equity positions across your entire portfolio to identify opportunities for restructuring or further acquisition.
HAVE QUESTIONS?
Generally, yes. Most lenders require a minimum 10% deposit for investment properties, and a 20% deposit will help you avoid LMI. Some lenders may lend up to 95% LVR for investment properties, but this comes with LMI costs and stricter serviceability requirements.
This depends on your investment strategy and cash flow needs. Interest-only repayments keep costs low and maximise tax deductions for negatively geared properties, but principal and interest builds equity faster. We model both scenarios so you can see the impact on your cash flow and long-term position.
Cross-collateralisation means using multiple properties as security for a single loan or linking securities across loans with the same lender. While it can simplify lending, it gives the lender control over all linked properties, which can create complications if you want to sell one property or switch lenders. We generally recommend standalone security structures to maintain maximum flexibility.
Book a complimentary consultation with our team. We will assess your situation and present the best options available to you.
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