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 an Investment Property Mortgage Broker in Perth, go 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.
Lenders
Years Experience
Happy customer
End to End Support
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 investment property, 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.
Speak with our investment loans specialist – 0457 133 453
Building a portfolio brings complex questions about tax, structure, and risk. From equity release to interest-only terms, the right answers are crucial to your success. With the right advice and strategy, you can navigate these complexities and unlock your portfolio’s potential.
As your trusted investment property mortgage broker in Perth, we believe in total transparency. We understand that the process can be overwhelming, so here are the answers to the most common questions we hear from investors. Whether you’re looking to secure a second investment property loan in Perth or seeking advice on how to structure your portfolio, we’re here to help you move forward with clarity and confidence.
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.
An investment property mortgage broker in Perth approaches loan structuring with a completely different priority set compared to an owner-occupier loan. The goal is not simply the lowest rate – it is to preserve your borrowing capacity for future purchases, protect your home from cross-collateralisation risk, maximise tax deductibility, and keep cashflow manageable. At Strawberry Finance, every Perth investment loan is structured as standalone security – your investment property is the only collateral for its loan, completely separate from your family home. This is critical because cross-collateralising properties (bundling them as joint security for one loan) makes it significantly harder to sell, refinance, or access equity independently later. We also assess whether an interest-only period suits your cashflow and tax position – interest on an investment loan is generally fully tax-deductible, which can materially reduce the net cost of holding the property. With Perth rental yields averaging 4.0% for houses and 5.5% for units as at March 2026, and REIWA forecasting median house price growth exceeding 10% over the year, getting the loan structure right from the outset determines whether your investment portfolio grows efficiently or hits a borrowing wall.
In 2026, most lenders require a minimum 10–20% deposit for an investment property purchase in Perth, depending on your existing debt levels, income, and the lender’s current investment loan appetite. A 20% deposit avoids Lenders Mortgage Insurance (LMI), which on an investment loan at Perth’s current median price of approximately $880,000 could cost $15,000 to $25,000. However, many Perth investors use equity in their existing home or other properties to fund the deposit rather than cash savings — a strategy an investment property mortgage broker in Perth is best placed to structure correctly. At Strawberry Finance, we calculate your available usable equity across your current portfolio, identify which lenders accept that equity as a deposit contribution for a new investment purchase, and structure the borrowing so your cash savings are preserved for future opportunities. Note that the federal First Home Guarantee scheme does not apply to investment purchases – it is available only for owner-occupier purchases. If purchasing your first investment property, the full deposit must come from equity or genuine savings.
For investors, middle-ring suburbs including Rockingham, Clarkson, and Gosnells continue delivering gross rental yields above 4–5% – significantly stronger than Sydney and Melbourne, where higher entry prices have compressed rental yields below 3% across many suburbs. Advertised listings throughout Perth remain approximately 40–48% below the five-year average, keeping buyer competition intense and supporting continued price growth across both houses and units throughout the Perth property market.
| 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.
Our specialists are ready to assist you with immediate support and accurate guidance for every service requirement.
32 Endeavour Road, Hillarys WA 6025
Call Now
Email Now
