Our Services

Your investment loan should support what comes next

Whether you’re buying your first investment property or adding to a portfolio, we help you compare lenders, understand borrowing power and structure the finance around this purchase and your future plans.

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Access to a wide range of lenders including major banks and specialist lenders.

What are you working towards?

Where are you in your investment journey?

The right lending approach depends on more than the property price. Your deposit or equity, existing loans, rental income, cash flow and future plans all shape which options may fit.

Buy your first investment

Understand the likely deposit, purchasing costs, borrowing position and finance steps before committing to a property.

Explore the decision

Use equity carefully

Work out what equity may be usable, how a valuation affects it and what the additional lending could mean for repayments.

Review usable equity

Grow an existing portfolio

Consider lender exposure, existing debts, shaded rental income and how this purchase may affect borrowing options later.

Estimate borrowing power

Choose a loan structure

Compare lending features such as principal and interest, interest-only, offset, redraw and fixed or variable splits.

Compare loan types

Review existing investment loans

Check whether the rates, repayments, features and security structure across the portfolio still support what you want to do next.

Review my portfolio lending

Consider rentvesting

Explore the lending implications of renting where you live while buying an investment property somewhere that suits your budget.

Understand rentvesting

Map the lending before you make the next property decision.

Discuss my investment plans

Why choose us

Clear advice,
end-to-end support

Investment lending has more moving parts than a standard home loan. We help you understand borrowing power, compare lender policy and structure the finance around this purchase without losing sight of your broader plans.

Assess borrowing power, deposit or usable equity and lender appetite
Compare how suitable lenders treat rental income, existing debts and portfolio exposure
Explain lending trade-offs across interest-only, principal and interest, offset and loan splits
Coordinate with your accountant or adviser where tax, ownership or strategy questions sit outside lending
Set review reminders so the loan remains aligned with the broader plan

The broker difference

Finance this purchase without losing sight of the next one.

Lenders can assess rental income, existing debt, property type and portfolio exposure differently. Comparing those policies alongside rate, structure and features can matter now and when you want to borrow again.

With Manson

We compare the loan in the context of your wider position and plans.

  • Map your income, debts, deposit or equity, rental income, existing properties and future lending goals.
  • Compare how suitable lenders assess serviceability, rental income, portfolio exposure and the property itself.
  • Explain lending trade-offs across principal and interest, interest-only, offset, redraw, splits and fixed or variable options.
  • Review security structure and flag choices such as cross-collateralisation for discussion before you commit.
  • Manage the application, valuation, lender questions and settlement, then set review points around what comes next.

Going direct

You approach lenders and test the investment scenario yourself.

  • Approach lenders one at a time and consider the products available under each lender’s own policy.
  • Provide your income, debts, rental estimates and property details separately to each lender.
  • Compare rates and features while working through differences in rental-income and servicing treatment.
  • Decide how to structure the loans and investigate the possible effect on future borrowing options.
  • Prepare the application and manage valuation, lender follow-up, settlement and future reviews yourself.

Manson may receive commission from lenders for arranging eligible loans. Any fees that apply to your situation will be disclosed before you proceed. Tax, ownership and investment-strategy advice should come from appropriately qualified professionals.

Plan the lending before you commit

We’ll help you understand borrowing power, lender fit and loan structure before you decide how to proceed.

Discuss my investment loan

Our Process

A simple process that keeps you in control

From the first conversation through to approval, settlement and review, we keep things clear, organised and moving so you’re never left wondering what comes next.

01
Understanding you and your goals

We start with a conversation about what you’re trying to do, your current position and what a good outcome looks like.

02
Gathering the right information

We’ll give you a clear checklist of the information and documents needed to assess the options properly.

03
Research and analysis

Once we have everything, we’ll compare suitable lenders, loan structures and policy options for your situation.

04
Presenting your options

We’ll walk you through the research, explain the trade-offs and agree on the best path forward.

05
Preparing the application

We’ll prepare the application for signing and confirm any final documents needed before submission.

06
Submission and lender assessment

Once submitted, we’ll manage lender questions, keep the process moving and update you along the way.

07
Approval

When the loan is approved, we’ll explain any remaining conditions and what happens next.

08
Preparing for settlement

We’ll help coordinate the final documents and work with the relevant parties to get everything ready.

09
Settlement

Settlement is complete and the new loan is in place.

10
Ongoing reviews

We don’t disappear after settlement. We’ll stay in touch to help keep the loan aligned with your needs.

Words from our clients

What property investors say

Google Reviews: 250+
5.0
RateMyAgent:  450+
5.0
First investment, fast approval
I had a tight deadline and needed finance approved within a week. Ryan immediately understood the urgency and went above and beyond.
Matthew L
First investment property
Portfolio refinance made simple
The team at MFS made the whole process smooth and seamless with minimal back and forth of documents.
Austin N
Investment portfolio refinance
Kept informed through every step
They kept me informed at every step and ensured the process moved forward without stress.
Naomi P
Investment property purchase
Options that fit the circumstances
They offer great understanding to your current circumstances, providing suitable options for you to consider.
Aljon R
Second investment property
Swift progress when the property was found
Ryan and Sean swiftly progressed the paperwork with the bank, solicitor, and real estate agent.
Cam R
Investment property purchase
Just as easy the second time
This is my second house purchase with Ryan and the team and it was again an easy and enjoyable process.
Elise B
Repeat property purchase
Read more reviews

Tools and insights

Resources to help you feel confident

View all resources

Borrowing power calculator

Tools

Loan repayment calculator

Tools

Investment loan vs home loan: what’s the difference?

Insights

Should I buy an investment property?

Insights

What is rentvesting and is it a good idea?

Insights

View all resources

Got questions?

Frequently Asked Questions

How much can I borrow for an investment property?

It depends on your income, debts, existing property position, deposit or equity, living costs and lender policy. Investor borrowing capacity can vary significantly between lenders.

Can I use equity from my home to buy an investment property?

Potentially, yes. The key is whether you have usable equity, whether the repayments are comfortable and whether the lender is satisfied with the full position.

Should I choose interest-only or principal-and-interest?

Both can have a place. Interest-only can support cash flow for some investors, but repayments can increase when the interest-only period ends. The right option depends on the plan, risk tolerance and advice from the right professionals.

Do I need a bigger deposit for an investment loan?

Sometimes. Deposit requirements depend on the lender, property, loan-to-value ratio and overall risk. We can map what is realistic before you start negotiating.

Will rental income help my borrowing power?

Lenders usually consider rental income, but they may shade it and apply their own assessment rules. It helps, but it does not always offset the full cost of the loan.

Can you help if I already own multiple properties?

Yes. Portfolio lending can be more complex because lender exposure, servicing and cross-collateralisation all matter. We can review the structure and options.

Should I speak to my accountant before buying?

Usually, yes. We can help with lending, but tax structure, ownership and investment strategy should be checked with your accountant or adviser.

Can you arrange pre-approval for an investment purchase?

Yes, where it makes sense. Pre-approval can help set boundaries, though final approval will still depend on the property, valuation and lender conditions.

What happens after settlement?

We stay in touch and review the loan around key moments such as rate changes, interest-only expiry, portfolio changes or future purchase plans.

Ready
to chat?

Tell us what you’re looking to do and we’ll come back to you with next steps.

Built on referrals, reviews and repeat clients

Google Review: 250+
5.0
RateMyAgent:  450+
5.0
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