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Investment lending, structured to scale.

The loan structure on your first investment property shapes what you can do with your fifth. Get it right at the start and the portfolio can scale. Get it wrong and you hit a serviceability ceiling that no amount of equity will solve.

Structure matters more than rate

Property investors get caught up in rate comparison because that's what online calculators show them. Whether a portfolio can grow depends on other decisions: crossed or uncrossed security, ownership entity, interest-only or P&I, split structures, and the order you use lenders in to manage serviceability ceilings. A 0.1% rate difference is a rounding error next to the cost of refinancing the whole stack because lender #1 won't write deal #4.

Hypercube structures investment loans with the portfolio in mind from day one, even if day one is only the first property. We always ask what this loan needs to do for you in five years, when the next purchase is on the table.

Choose your investment loan

Investor home loans
The standard investment property loan, structured for the long term.
Investor loans
Interest-only loans
Tax, serviceability and reversion explained, including when IO helps and when it hurts.
Interest-only
Portfolio lending
Growing from one property to a portfolio without hitting a serviceability wall.
Portfolio strategy
Equity release
Releasing equity from existing properties to fund the next purchase or a renovation.
Equity release

Investor FAQs

Should my investment loan be interest-only or P&I?
It depends on cashflow and tax position. Interest-only maximises deductibility and keeps cashflow free for the next deposit. P&I builds equity faster and gets better rates with most lenders. Most portfolios use a mix, with the owner-occupier loan on P&I and investment loans on IO.
What's wrong with crossed security?
Cross-collateralising two or more properties with the same lender means the lender's security covers all of them. When you want to sell one, release equity from one, or move one to a new lender, the bank has leverage you may not have realised you gave it. Uncrossed structures keep your options open.
How do I avoid hitting a serviceability wall?
Rotate lenders. Every lender has its own serviceability calculator, and some are harsher than others. Using one lender across three or four properties compounds the serviceability hit. Choosing each lender for its policies keeps you borrowable for the next deal.

Related pages

SMSF loansInvestment property guideCommercial financeOur process
General advice disclaimer. The information on this page is general in nature and does not take into account your personal objectives, financial situation or needs. You should consider whether it is appropriate for you before acting on it, and seek professional advice where relevant.

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