Investment property loans for first-time and growing investorsBuy the next one without boxing in the one after.

Investors buying their first or next property

• You're buying your first investment property and want it set up so the second one is still possible.
• You own one or more investment properties and your bank says you've hit your limit.
• You're buying with a buyer's agent and need finance that keeps pace with their search and offers.
• You're self-employed, buying in a trust or company, or have a mix of personal and business debt that a lender needs to understand properly.

Same person, different answer

Every lender runs its own servicing calculator. They differ on how much of your rental income they count, the living expenses they assume, the rate they test your existing debts at, and how they treat interest-only loans, self-employed income, bonuses and overtime. For investors with a few properties, those differences add up, and the gap between the most and least generous lender can be large.

That's why Magnus Finance runs your numbers through real lender calculators before recommending anything. We don't guess, and we don't pick a lender first and work backwards.

Order matters

If you plan to buy more than once, the order you use lenders in matters. Some lenders are more generous with a larger portfolio, others with a single property. Using the right lender at the right step can keep your next purchase open. We map that sequence with you before the first application goes in.

How investors usually weigh it

Interest-only repayments are lower in the short term, which can help cash flow while you build a portfolio. Principal and interest repayments reduce the debt from day one and are often priced lower. Lenders also assess an interest-only loan over the shorter principal and interest period that follows it, which can reduce how much they'll lend you.

There's no single right answer. It depends on your cash flow, your plans for the property and your tax position. Talk the tax side through with your accountant, and we'll show you how each choice affects your borrowing capacity.

Keep each property in its own lane

Crossing securities means one loan is secured by more than one property. It can feel simpler, but it gives the lender more control: selling one property, refinancing or releasing equity can then need the lender's sign-off across the whole group.

For most investors, Magnus Finance prefers standalone loans, each secured by its own property, often with a separate split for the deposit funded from existing equity. It keeps your options open, makes it easier to move one loan without disturbing the others, and keeps the purpose of each loan clear for your accountant.

Finance that keeps pace with the search

Many of our clients buy through a buyer's agent. We set up your borrowing position and pre-approval before the search starts, so your agent knows your real price range and can move quickly when the right property comes up. We then keep in touch with your agent through the contract, valuation and settlement steps.

Magnus Finance is part-owned by Steve Palise, founder of Palise Property. If you were referred by Palise Property, our Credit Guide explains that relationship. We work with clients of any buyer's agent, or none.

For the first conversation

• PAYG: your two most recent payslips, and your latest income statement if you get overtime, bonuses or commission.
• Self-employed: your two most recent tax returns and financial statements, or your accountant's contact details.
• Your existing loans and properties: lender, loan limit, rough value and current rent.
• We send a full checklist through a secure online portal once you're ready to apply.

How it works

• A 15 minute call to understand your goals, your portfolio and your timing.
• We run your numbers across lenders and send you a written strategy with clear options.
• You choose an option, we prepare the application and manage it through to approval and settlement.
• In most cases there is no direct cost to you. Magnus Finance is paid a commission by the lender you choose, and we disclose it before anything is signed.

How many investment properties can I own?

There's no fixed number. What limits you is servicing, your deposit or equity, and each lender's policy on larger portfolios. Choosing the right lender for each purchase, in the right order, often matters more than the number of properties you already own.

Should my investment loan be interest-only?

It depends on your cash flow, your plans for the property and your tax position. Interest-only lowers repayments for a period, but lenders assess it over the shorter principal and interest term that follows, which can reduce your borrowing capacity. Confirm the tax side with your accountant.

Can I use equity in my home as the deposit?

Often, yes. Many investors use a separate loan split secured against their home to fund the deposit and costs, then a standalone loan for the investment property. See our equity release page for how usable equity is worked out.

Do I need a mortgage broker in the same state as the property?

No. Magnus Finance is based in Brisbane and helps investors buying anywhere in Australia by phone, email and a secure online portal. Lender policy, not broker location, decides what you can borrow.

What does Magnus Finance charge?

In most cases there is no direct cost to you. Magnus Finance is paid a commission by the lender you choose, and we disclose it before anything is signed.