Investment Loans | Double Bay Mortgage Broker - Your Double Bay Mortgage Broker

Building Wealth Through Property Investment

Property investment remains one of the most popular ways Australians look to build wealth over the long term. Whether you are buying your first investment property or growing an existing portfolio, having the right investment loan in place makes a significant difference to how your strategy performs over time.

At Double Bay Mortgage Broker, we help residents in Double Bay access investment loan options from banks and lenders across Australia. We compare investment loan products across a wide range of lenders so you can make an informed decision about your investment property finance without feeling overwhelmed by the choices available.

Understanding Your Investment Loan Options

Not all investment loans are the same. The structure you choose, whether a variable rate, fixed rate, interest only, or principal and interest loan, will affect your cash flow, your tax position, and your overall property investment strategy. A variable interest rate gives you flexibility and the ability to make extra repayments, while a fixed interest rate offers certainty over your repayments for a set period. Many investors use interest only investment loans in the early years to keep repayments lower and maximise tax deductions, before switching to principal and interest later.

Loan to Value Ratio and Your Investor Deposit

Your loan to value ratio (LVR) plays a key role in determining your investor deposit requirements and whether Lenders Mortgage Insurance (LMI) applies. Most lenders require a minimum deposit of 20 per cent for investment properties to avoid LMI, though some products allow a lower investor deposit with LMI added to the loan amount. If you already own property, you may be able to leverage equity from your existing home or investment to fund your next purchase, reducing the cash deposit needed.

Tax Considerations for Property Investors

Interest on borrowings used to acquire or hold a rental property is generally deductible where the property is rented or held to produce assessable income. There are also other claimable expenses associated with owning a rental property, including property management fees, body corporate fees, repairs, and depreciation. These tax benefits can contribute meaningfully to your overall return, particularly when combined with capital growth over time.

It is important to be aware that negative gearing rules are changing. Under the Treasury Laws Amendment (Tax Reform No. 1) Act 2026, properties acquired on or after 7:30pm AEST on 12 May 2026 will, from 1 July 2027, have net rental losses quarantined. This means losses from those properties can only be offset against other residential rental income or carried forward, not offset against salary or wages. Properties held before that date, and eligible new builds, are subject to different rules. Because these changes are significant and the supporting guidance is still being released, we strongly recommend speaking with a qualified tax adviser about how the rules apply to your situation. Double Bay Mortgage Broker can help you understand the lending side of your investment, while your accountant or tax adviser can guide you on the tax implications.

Calculating Investment Loan Repayments

Calculating investment loan repayments accurately is an important part of planning your investment. You need to understand how much the loan will cost you each month under different rate scenarios, and how that compares to the rental income you expect to receive. Vacancy rate is another factor worth considering, as periods without a tenant will affect your cash flow. Double Bay Mortgage Broker can walk you through the numbers so you have a realistic picture before you commit.

We work with a broad panel of lenders and can help you compare investor interest rates, rate discounts, and investment loan features that suit your goals. Whether you are focused on passive income, portfolio growth, or long-term financial freedom, we are here to help you find an investment loan that fits your property investment strategy.

The Simple Steps

Initial Consultation

Your journey begins with a conversation about your property goals - whether you're purchasing a home, investing, refinancing, or seeking another type of loan. Our Finance & Mortgage Brokers explain the overall loan application process, assess your financial position, and begin identifying suitable loan options from a wide panel of banks and lenders across Australia.

Financial Assessment

Your broker conducts a detailed review of your finances, including income, expenses, assets, liabilities and savings. They determine your borrowing capacity and explain key terms like loan-to-value ratio (LVR), lenders mortgage insurance (LMI), and any government schemes or discounts you may be eligible for.

Loan Comparison & Selection

With a clear understanding of your financial situation, our Finance & Mortgage Brokers research and compare a range of loan options. These may include fixed or variable interest rate loans, products with offset accounts, or flexible repayment features. Our brokers help you weigh the pros and cons of each loan, ensuring you choose the one that aligns best with your needs and preferences.

Loan Pre-Approval

Securing loan pre-approval provides a clear idea of how much you can borrow and strengthens your position in the property market. Your broker prepares and submits the required documents - such as payslips, tax returns, and bank statements - to the lender for assessment. Pre-approval also gives you confidence to make offers when you find the right property.

Formal Loan Application

Once you've chosen your preferred loan, your broker completes and submits the formal application to the lender. They manage all required documentation, respond to any queries from the lender, and keep you informed throughout the process to avoid unnecessary delays.

Loan Approval & Settlement Preparation

After your loan is formally approved, our brokers review the loan agreement with you and confirm that all terms - such as interest rate, fees, and repayment schedule - are clear and understood. They also help you set up your loan account and arrange any necessary insurance, such as mortgage or home loan protection.

Settlement & Ongoing Support

At settlement, the lender advances the funds and ownership of the property is transferred to you. Our brokers coordinate with your solicitor or conveyancer to ensure everything runs smoothly. After settlement, our Finance & Mortgage Brokers remain available for ongoing support - whether it's managing repayments, exploring refinancing opportunities, or helping with future property plans.

Double Bay Mortgage Broker comparing investment loan options for a property investor

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Why Work With Double Bay Mortgage Broker

Choosing the right investment loan is about more than just the interest rate. It is about finding a loan structure that supports your property investment strategy, works with your cash flow, and positions you well for future growth.

Double Bay Mortgage Broker works with residents across Double Bay to compare investment loan products from a wide panel of banks and lenders. We look at investor interest rates, investment loan features, and the overall cost of borrowing, including any applicable stamp duty and Lenders Mortgage Insurance (LMI), so you have a complete picture of what each option involves.

For investors looking to grow their portfolio, we can also help you explore how to leverage equity from existing properties to fund your next purchase. Equity release is a common strategy used by experienced investors to expand their holdings without needing a large cash deposit each time. We can also assist with investment loan refinancing if your current property investor loan is no longer working as hard as it should.

If you are considering buying your first investment property, we can help you understand what lenders look for, how your borrowing capacity is assessed, and what investment loan amount you may be able to access. APRA requires lenders to assess your ability to repay at a buffer of 3 percentage points above the product rate, and there are also debt-to-income limits that apply to new investor lending. Understanding these settings early helps you plan your approach with confidence.

For investors looking to expand further, our team can also assist with expanding your property investment portfolio and discuss loan structures that support ongoing portfolio growth. We also work with investors exploring rentvesting as a strategy, where you rent where you want to live while owning an investment property elsewhere.

Double Bay Mortgage Broker is here to help you access the right investment loan options and make sense of a lending market that is always changing. Reach out to our team to start the conversation.

Hear From Our Clients

Our Client Reviews

Nick and the team at Azura Financial exceeded our expectations at every step. Their guidance was clear, their expertise was evident, and they handled every financial detail with care — giving us complete peace of mind throughout the process. We couldn't have asked for a better team by our side. Thank you very much, V&V.

Van Tran

As a founder, getting a mortgage requires a couple more hoops to jump through, which is why I couldn't recommend Nick O'Sullivan and the Azura team more highly. Not only were they able to offer a seamless process, but Nick was also patient with us as we changed our minds about when to buy (over a period of years!). The truth is anyone can approach a bank and get a mortgage, but when things don't go perfectly (e.g. abrupt government changes), that's when you want a pro on your team like Nick.

Shaun Cunningham

As a first home buyer, Carl and the team at Azura were incredibly helpful throughout the whole process. They made everything feel straightforward and were always there to answer any questions along the way. I’ve already recommended them to friends and would highly recommend them to anyone looking to get a mortgage!

sarah ander

Your Questions Answered

Frequently Asked Questions

Why choose Double Bay Mortgage Broker over a broker based elsewhere?

Choosing a local broker means working with someone who genuinely understands the Double Bay area, the types of properties here, and the people who live and invest in this community. We are not a call centre or a faceless online service. We are a local business that takes pride in building real relationships with our clients. When you work with Double Bay Mortgage Broker, you get personalised service from someone who is invested in your outcome. We are accessible, we communicate clearly, and we are here for the long term. Many of our clients come back to us when their circumstances change, and that kind of ongoing relationship is something we value deeply.

Can Double Bay Mortgage Broker help if I am self-employed?

Yes, we work with self-employed clients regularly. Getting a home loan when you are self-employed can be more involved than a standard application because lenders assess income differently for business owners. Some lenders require two years of tax returns, while others offer what are known as low-doc loans, which require less documentation but may come with different conditions. At Double Bay Mortgage Broker, we understand how to present a self-employed application in a way that gives it the strongest possible chance of being assessed fairly. We will take the time to understand how your income works and match you with lenders who are well suited to your type of borrowing situation.

What documents will I need to provide?

The documents required will depend on your individual circumstances, but as a general guide, most lenders will want to see proof of identity, recent payslips or tax returns, bank statements, details of any existing debts or liabilities, and information about the property you are looking to purchase or refinance. If you are self-employed, you may need to provide additional documentation such as business financial statements or BAS statements. At Double Bay Mortgage Broker, we will give you a clear checklist of what is needed for your specific situation so you are not scrambling to pull things together at the last minute. Being organised early can help keep the process on track.

How long does the home loan process take?

The timeline can vary depending on a number of factors, including the lender you go with, the complexity of your application, and how quickly documents are provided. In general, once we have everything we need from you, a straightforward application can take anywhere from a few days to a few weeks to receive formal approval. At Double Bay Mortgage Broker, we work to keep things moving as efficiently as possible and keep you updated along the way. We know that waiting for news on something as important as a home loan can be stressful, so we make it a priority to stay in regular contact and answer your questions promptly.

What is refinancing and how do I know if it is worth looking into?

Refinancing means replacing your existing home loan with a new one, either with your current lender or a different one. People refinance for a number of reasons, including accessing equity in their property, consolidating debts, changing their loan structure, or simply reviewing whether their current loan still suits their needs. At Double Bay Mortgage Broker, we can review your existing loan and compare it against what else is available in the market. We will give you an honest assessment of whether refinancing makes sense for your situation. There are costs involved in refinancing, such as exit fees or application fees, and we will make sure you understand these before making any decisions.

I am a first home buyer. Can Double Bay Mortgage Broker help me?

Absolutely. Buying your first home is one of the biggest financial decisions you will ever make, and it can feel overwhelming when you are not sure where to start. At Double Bay Mortgage Broker, we work with first home buyers regularly and understand the questions and concerns that come with it. We will walk you through the process from start to finish, explain the different loan options available to you, and help you understand what government grants or schemes you may be eligible to apply for, such as the First Home Owner Grant. We want you to feel informed and confident at every stage, not left in the dark.

What types of loans can Double Bay Mortgage Broker help with?

We help clients with a wide range of lending needs. This includes home loans for owner-occupiers, investment property loans, refinancing existing loans, construction loans, and loans for self-employed borrowers. We also assist with commercial finance and asset finance depending on your situation. Whether you are buying your first home in Double Bay, looking to grow a property portfolio, or wanting to review your current loan to see if there is a more suitable option out there, we are here to help. Every client has a different set of circumstances, and we take the time to understand yours before recommending any course of action.

How much does it cost to use Double Bay Mortgage Broker?

In most cases, our service comes at no direct cost to you. Mortgage brokers in Australia are typically paid a commission by the lender once a loan settles. This means you can access our knowledge and support without paying out of pocket. We are upfront about how we are paid and will always explain this to you clearly before we get started. There are some situations where a fee may apply, and if that is the case, we will let you know well in advance so there are no surprises. Transparency is something we take seriously at Double Bay Mortgage Broker.

Why should I use a mortgage broker instead of going directly to my bank?

When you go directly to your bank, you only see what that one lender has to offer. A mortgage broker like Double Bay Mortgage Broker has access to a broad panel of lenders, which means we can present you with a wider range of options. Your bank is focused on selling its own products, whereas we are focused on finding the right fit for your circumstances. We also know how different lenders assess applications, which means we can help you put your best foot forward. For residents in Double Bay, having someone local who understands the property market in this area can make a real difference.

What does a mortgage broker actually do?

A mortgage broker acts as the go-between for you and a range of lenders. Rather than you having to approach each bank or lender on your own, a mortgage broker does the legwork for you. At Double Bay Mortgage Broker, we look at your financial situation, understand what you are trying to achieve, and then search through a wide panel of lenders to find options that suit your needs. We handle the paperwork, liaise with lenders on your behalf, and guide you through each step of the process. It is our job to make sure you understand what you are signing up for before you commit to anything.

Investment Loans in Double Bay

Access investment loan options from banks and lenders across Australia