Smart Lending Structure Is What Separates One Investment Property From Five
As your dedicated investment property mortgage broker in Perth, Strawberry Finance designs investor loan strategies that protect your cashflow, maximise borrowing capacity, and keep your entire portfolio flexible for every future purchase you plan to make.
We audit your existing lending, model future borrowing capacity across multiple lenders, and confirm every structural decision today supports where you want to be in 24 months. Perth house prices grew over 13% in early 2026 – investors with the right lending structure compound that market growth.
We model every lending decision so you always know your next borrowing position before committing.
We assess your cashflow and tax position before recommending interest-only terms and negotiating the right rate
We release equity using standalone structures - no cross-collateralisation - keeping every property fully independent.
We prepare investor applications for family trusts, companies, and SMSFs with full lender compliance managed.
We as a Investment Property Mortgage Broker in Perth don’t just find you a loan; we design a lending strategy that supports your short-term plans and long-term wealth. Experience the difference of working with a broker who puts structure first.
We use real lender policy so your pre-approval reflects exactly what you can genuinely borrow.
We manage every step from pre-approval to settlement, including all lender communication and paperwork required.
Every loan structure is built for your specific income, equity position, and next two purchases.
Self-employed income, trust borrowing, and SMSF applications - we handle complex investor scenarios others regularly decline.
We as a Investment Property Mortgage Broker in Perth move beyond simple transaction support to provide a roadmap that secures your assets and future growth.
We review your loans, equity, and any cross-collateral issues limiting your next purchase before you commit.
We match you to lenders whose serviceability model best fits your income and rental income type.
We select the right lender, loan split, and repayment type to maximise borrowing power and cashflow.
As a Investment Property Mortgage Broker in Perth, We coordinate valuations, settlement, and conditions - then review your capacity for the next investment afterwards.
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Working with the right investment property mortgage broker in Perth is not just about securing a low rate – it is about building a loan structure that protects your borrowing capacity for your second, third, and fourth property. At Strawberry Finance, every investor engagement starts with a strategy session before a single application is submitted.
We match you to lenders based on policy fit for your income type, portfolio size, and property goals. Whether you are buying in your own name, through a trust, or via SMSF, our team has the lender relationships and structuring expertise to make it work efficiently and compliantly.
Building a portfolio brings complex questions about tax, structure and risk. From equity release to interest-only terms, the right answers determine your success.
We the investment property mortgage broker in Perth believe in total transparency. Here are the answers to the questions we hear most often from investors to help you move forward with clarity.
Yes. If you have built up usable equity in your home — typically the amount between 80% of your property’s current value and your outstanding loan balance – we can structure a standalone equity loan that gives you access to a deposit without cross-collateralising your home against the new investment property. This keeps both properties independent, which is important for future portfolio growth
It depends on your cashflow, tax position, and investment horizon. Interest-only repayments reduce monthly outgoings and increase the proportion of your repayment that is tax-deductible as an investor. However, the loan balance does not reduce during the IO period, and lenders apply restrictions on how long you can hold interest-only terms. We the Investment property mortgage broker in Perth assess your full situation before recommending either option.
We model your future borrowing capacity across multiple lenders before you make an offer on your current property. We deliberately avoid cross-collateralisation, which ties properties together and limits your options later. By keeping each loan as a standalone facility with the right lender, we preserve your ability to purchase again – and model exactly when that next purchase becomes possible.
Yes. We specialise in preparing investment loan applications for family trusts and company structures. These applications require specific documentation and careful lender selection – not all lenders accept trust or company borrowers, and those who do apply different policies. As a Investment property mortgage broker in Perth, We work with your accountant to ensure the application is correctly structured before any submission.
Most lenders require a minimum 10–20% deposit for investment properties, with 20% typically needed to avoid Lenders Mortgage Insurance. In many cases, equity from your existing home can substitute for a cash deposit – meaning you may not need to use any new savings at all. We calculate the exact deposit required based on your lender, equity position, and the property’s purchase price.
Yes, but the amount lenders count varies significantly. Most lenders assess 70-80% of the gross rental income in their serviceability calculation. Some apply a higher shading rate, which reduces your assessed borrowing capacity. Selecting the lender whose rental income policy best matches your property’s rental yield is one of the most important parts of our lender matching process.
Perth enters 2026 with property market fundamentals that continue to reward investors. REIWA data confirms annual house price growth exceeded 13%, with some reports recording up to 20.7% in select suburbs. Unit prices surged over 20% compared to 2025. Rental vacancy sits at just 0.6%, with median house rent reaching $720 per week by February 2026 one of the strongest yield environments of any Australian capital city.
For investors, middle-ring suburbs including Rockingham, Clarkson, and Gosnells continue to deliver gross rental yields above 4-5% – significantly ahead of Sydney and Melbourne, where high entry prices have compressed yields below 3% in many areas. Advertised listings in Perth remain roughly 40-48% below the five-year average, keeping buyer competition intense and underpinning continued price growth across both houses and units.
| What We Offer | Why It Matters for Perth Investors |
|---|---|
| Policy-based borrowing capacity | We use real lender policy, not online calculators – so your approval is accurate before you make an offer |
| 30+ lender panel including non-banks | Access to specialist investor lenders whose rental income policies and IO terms suit your strategy |
| No cross-collateralisation | Every property stays independent, protecting your portfolio and preserving borrowing flexibility for future purchases |
| Interest-only expertise | We negotiate IO terms that preserve monthly cashflow and align with your tax position during the growth phase |
| Complex entity applications | Trusts, companies, and SMSFs – we prepare and present these correctly to avoid lender delays or declines |
| Portfolio growth modelling | We map your next 2-3 purchases before you commit, so every lending structure supports long-term scale |
Choosing the right investment property mortgage broker in Perth is not just about finding the lowest rate – it is about finding a broker who understands how to build a lending structure that scales. At Strawberry Finance, every investor client receives a strategy session before any loan is lodged, and every structure we build is designed with your third and fourth property in mind. Whether you are buying your first investment, expanding an existing portfolio, or purchasing through a trust or SMSF, we have the lender relationships and structuring expertise to make it work.
Speak with Shaz Aggarwal, Strawberry Finance’s Investment Property Loans Specialist, or Director Sahil Saini. We will review your borrowing position, identify your next step, and structure your lending for long-term portfolio growth – at no cost to you.
Our specialists are ready to assist you with immediate support and accurate guidance for every service requirement.
32 Endeavour Road, Hillarys WA 6025
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