Investment Property Mortgage Broker in Perth

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.