Property Investor

Propel your portfolio further, faster!

Develop a
Robust Strategy

Behind every successful property portfolio is a robust finance strategy. We'll listen to your needs and together we'll develop a strategy that will meet your short and long term property investment goals.

Find the Right
Investment Loan

Confused about the range of products available? We'll match your requirements to a standout loan that's just right for you, with low interest rates and great features to boot!

Maximise Cash Flow
& Increase Returns

Correctly structuring your investment loan can save you thousands. We'll structure your loan to helps you maximise your cash flow and increase your investment returns.

Research Your
Investment Property

Research is the key to success. Our free property reports will provide you with valuable information to help you make sound property investment decisions.

Our Reviews

Our customers’ experience speaks for itself!

Excellent5.0 Based on 176 reviews from review us onGregGreg ★★★★★ Nick and Reza delivered exactly what they promised. They coached us through the application process and made sure that the right processes were followed to get our property puchase settled on time. They respond quickly to enquiries and always available on the end of the phone when needed. I would definately recommend, and if purchasing in the future will use again.David VelluDavid Vellu ★★★★★ I found My Property and Finance on Google. I was looking for an owner-builder loan. Banks were giving us the runaround. Nick and his team came through by finding the right bank for this type of loan. The process was quite easy. The team did all the work for us.Kim SmallKim Small ★★★★★ Nick and his team have been amazing to deal with - 5 star rating is absolutely deserved. I came to him with a complicated set of circumstances and not only was Nick kind and considerate, he was patient and willing to help in any way he could. I will be referring Nick to anyone I know that needs a mortgage broker - the best!!Brodey LeggettBrodey Leggett ★★★★★ Nick and the team were second to none when helping my partner and I finance our home build... Twice...Due to our first builder going bust, their help to secure finance with another builder and continued support has eased the burden of the whole finance process. Couldn't recommend any more highly!Jacob Tyler - RatcliffeJacob Tyler - Ratcliffe ★★★★★ I highly recommend My Property and Finance! Nick and his team Made the whole Process straightforward and easy. With a short settlement Nick was quick to organise and have my Home Loan approved!Daniel SymonsDaniel Symons ★★★★★ This company have improved our lives in dramatic ways.Update: still as awesome as ever!Anthony JacksonAnthony Jackson ★★★★★ I highly recommend Nick from my property and finance. He is amazing at what he does with home loans and sorting out finances. I have worked with Nick for quite a few years now and all my family use Nick for their home loans. He removes the stress of navigating the industry for home loans and always tries to get the best interest rate for your needs. He also tries to base your loan repayments on a higher interest rate so that you are still comfortable to pay off the loan. Thank you Nick for all your years of support and trust.😊😊Elena SchwobElena Schwob ★★★★★ I was having a lot of trouble getting a loan from a bank , I approached 2 , due to my situation at the time they were only offering me a fraction of what I needed. I was given Nicks number and finally he made it happen. Thank you for your persistency. ElenaNat BorisNat Boris ★★★★★ I recently had the pleasure of working with Nick and his team from My Property & Finance to purchase a property, and I couldn't be more impressed with their service.I was lucky enough to find Nick’s company, who should be commended on his efficiency and communications, and most notably going above and beyond to get things done. Nick made himself available to assist with urgency on Christmas Day and during the Christmas holiday! It was an unbelievable service and support by Nick. I am very thankful and grateful for his commitment and a quick turn around of events to secure a perfect property during Xmas time. Nick’s team is highly efficient and so easy to work with too! The whole process was extremely structured and enjoyable. Well done, guys!I highly recommend My Property & Finance to anyone in need of mortgage brokerage or services. Best brokers service ever received.Natalie MerkliNatalie Merkli ★★★★★ I highly highly recommend Nick & his team! They have all been fantastic and so easy to deal with. I will absolutely be using them in future and have no hesitation in recommended Nick to all my family & friends.Rayan ChazbekRayan Chazbek ★★★★★ Outstanding service, helping me through every step of the process. Always willing to answer my questions and give genuine advice best for my situationBenjamin CornwellBenjamin Cornwell ★★★★★ I couldn't recommend a more outstanding broker for your needsScott NevilleScott Neville ★★★★★ Nick and his team did a great job organising finance for a new house purchase. After being mucked about by our bank for a week we made a call to Nick on a Tuesday afternoon. Our finance for two separate loans was approved on Friday meeting our deadline. I think we we set a record for fastest loan approval ever. Truly amazing considering the complexity of our situation. I highly recommend Nick and will definitely engage again for any finance services in the future.Danielle GermechDanielle Germech ★★★★★ Excellent broker! Nick and his team were great and went over and above. My partner and I are not tech savvy and they guided us through the whole process. And when I didn’t understand certain figures Nick did not make me feel stupid for asking the same question 10 times over. Highly recommended for a streamlined process. Our loans were commercial and residential and acreage and residential. So very versatile and capable of broad scope of lending. Cheers Danielle and BruceJoanne DrewJoanne Drew ★★★★★ We have been with My Property and Finance for approximately 7 years now. They have helped up secure a building loan and refinanced for us a few times in that 7 years. They are always available to provide advice and the refinancing process is always easy and smooth. It is very user friendly and safe. They also regularly check in. They are proactive, they don't just help you with your loan and forget about you.Vicky FiumaraVicky Fiumara ★★★★★ Our experience with Nick and his team was exceptional. Nick overcame every hurdle we came across. He did it with the utmost professionalism and as promptly as possible. Cant speak highly enough of his efforts to help us. I would have no hesitation in recommending his services (and I have)Megan GibbonsMegan Gibbons ★★★★★ It is hard to exaggerate just how much appreciation we have for Nick and the team. Prior to our involvement with Nick we were at a loss to know how to proceed with our knock down rebuild project and the finance for it. We had knocked down our original house on the basis of a bank saying they would finance us as owner builders. A change of policy meant that bank would no longer fund us. We tried to engage with a number of brokers and banks to assist us to no avail. Nick and the team worked tirelessly to secure a very competitive loan and we are now building our house. We could not rate them more highly.Lachy KayLachy Kay ★★★★★ Nick, Brigid and the team at mypropertyandfinance are professional and take the time to explain the processes involved in financing and refinancing. We are so happy to be in our new house and couldn’t have done it with such ease without mypropertyandfinance.Shaun McManamnyShaun McManamny ★★★★★ Nick and the team were super helpful in refinancing our mortgage. They got us a great deal and were easy to work with. Highly recommendedAmy FrostAmy Frost ★★★★★ UPDATED REVIEW May 2023:My husband and I previously highly recommended Nick and the team at My Property and Finance when they helped us with our home loan in 2021. Because the team was so excellent, we had no hesitation in using their services again for refinancing our loan. They’ve made this process smooth and efficient. Yet again all the staff at My Property and Finance have been friendly, helpful and attentive. Nick has successfully matched us to a mortgage lender that suits our current needs. We will absolutely come back to seek assistance from Nick and the staff at My Property and Finance should we need to in future and have no hesitation in recommending them to others.INITIAL REVIEW May 2022:My husband and I highly recommend Nick and the team at My Property and Finance. From our first phone call to Nick until our most recent request for a review of our mortgage rate, he has been friendly, helpful and attentive. He’s answered all our queries in a timely and comprehensive manner and got us a mortgage lender that suits our needs well. After Nick and his team were so professional and patient with us, we would have no hesitation in using their services again in future.Eliza TurnerEliza Turner ★★★★★ Nick and team are amazing! This is the second time we’ve used them and I’ll use them againJennifer K MilesJennifer K Miles ★★★★★ Nick and his team were brilliant in navigating the complexities of my situation, and in supporting me all the way though the process. Thank you, thank you, thank you for your professionalism AND your humanity. Highest of recommendationsSerenity BownSerenity Bown ★★★★★ We have had a great experience with Nick Blencowe from my property and finance, he has worked with all of our family members to get approval on their land and construction too. He really helped us to understand what we needed for the approval and stayed in contact the entire time as we are first home buyers and didn't know the ins and outs of it all. Thanks again NickRoss HRoss H ★★★★★ Nick and his team have been professional and helpful in sourcing a loan for our SMSF. His experience across this area greatly assisted.Sam HainsworthSam Hainsworth ★★★★★ Very professional and helpful. Nick and his team are very attentive to answer any questions and go that extra step. Highly recommended!js_loader

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rates from leading lenders!

Investing in expert advice

With tightening credit conditions and stricter lending policies being rolled out by banks, nowadays, more than ever, it’s important to seek the advice of a property investment-focused mortgage broker who can take the pain out of navigating what is an ever-changing and increasingly complex landscape for property investors.

At My Property & Finance, our dedicated team of investment lending experts keep abreast of the rapidly changing policies, so that you don’t have to. It’s our job to take the headache and hard work out of the equation, to help you find you a lender who is willing to make your investment goals a reality.

Successful loan structuring

Having the right loan structure in place is critical for the long-term financial health and success of your investment property, which is where My Property & Finance comes to the fore. Our mortgage experts have many years of experience arranging and structuring investment loans to maximise cash flow and tax benefits.

Whether you’re a first-time investor or a seasoned veteran looking to expand your portfolio, we’ll listen to your goals and help you develop a robust finance strategy in order to achieve them. Then, once you’ve decided on your ideal property, our lending specialists will make sure your loans are structured correctly, so you can be confident you’re making the most out of your investment.

Finding the right Investment loan

Investment loans can vary depending on what you’re looking to achieve. What works for one investor might not suit another. Investment loans can be simple, like a regular home loan, or a little more complex to help you make effective use of tax and gearing.

The first step to finding the right loan is to decide on your objectives. What’s right for you will depend on both your short and long-term property investment strategy and overall financial goals. Are you planning on holding on to the property long term or are you considering renovating and selling? Is you goal to build a portfolio of investment properties quickly or would you rather focus on investments that will generate income for you in retirement?

With access to 35+ leading lenders, our lending specialists are on-hand to help navigate you through the mortgage maze, to help you secure the most competitive and flexible loan to best suit your investment needs.

Let's talk about...

How we can help you!

Provide expert advice and guidance

We’ll discuss your current financial position, requirements and objectives, then we’ll develop a strategy to help you achieve your investment property goals. No matter what stage of the process you’re at, this free consultation is a great way to get started.

Calculate how much you can borrow

After we’ve collected some paperwork and personal details from you, we’ll calculate your borrowing capacity based on your income, expenses, credit history, current savings, deposit and available equity.

Explain all the costs

We’ll explain all the upfront costs, allowing for any application fees, stamp duty, conveyancing, building inspection costs and Lenders Mortgage Insurance (LMI) if you’re borrowing more than 80% of the property value.

Compare lenders and recommend a better investment property loan

With access to hundreds of loan products available across 35+ leading banks and lenders, we’ll compare the most competitive finance options and match you with the investment loan that best suits your needs.

Structure your investment loan correctly

We’ll help you develop a robust investment strategy and structure your investment loan correctly, to maximise cash flow and tax benefits, helping you increase your investment returns.

Organise your loan pre-approval

Our mortgage specialists can organise a pre-approval for you, so you know how much you can afford to spend on your investment property.

Manage the paperwork, negotiations and details

Our friendly mortgage specialists will manage all the paperwork, negotiate and liaise with the lender on your behalf. We’ll also deal with any on-going communication with your conveyancer, real-estate agent and accountant until your loan is approved and settled.

Sometimes the best things in life really are free! At My Property & Finance, we provide a wealth of experience and specialised knowledge – all complimentary to you. We don’t charge a fee for our service because we’re paid by the lender upon the settlement of your loan.

Secure a better Investment Property loan!

Call My Property & Finance on 1300 672 633, or submit your details and one of our Mortgage Specialists will contact you within 24 hours (Mon - Fri) to chat about your finance options.

Like to stay well-informed?

Property Investor FAQ's

Every type of investment has its pros and cons, but there are several benefits to consider when investing in property:

  • Property is considered a reasonably secure, long term investment
  • You can potentially earn rental income to cover most of your loan repayments
  • You may benefit from capital gains if you decide to sell it in the future
  • It may provide benefit through taxation and gearing
  • It can be a good way to diversify your portfolio if your other investments are limited to cash shares or managed funds

Most of the same types of loans and features are available for both investors and owner occupiers. However, some lenders may charge higher rates for investment properties if the associated risks are higher.

You will need a minimum of between 5 – 10% of the value of the property for your deposit, although this will vary between lenders. Your mortgage broker will be able to give you more information about this.

A pre-approval allows you to determine how much you can borrow and what you can expect to repay when you decide to take out a home loan. Pre-approval is usually subject to you meeting the required terms and conditions of the lender, for example, being able to provide the documentation required and proving you have the deposit.

To apply for a pre-approval, you’ll need to supply basic facts about your finances such as your annual salary, other sources of income, current monthly living expenses, and other financial responsibilities like your credit card limit.

Your lender will also need information about your borrowing details such as how much you’re willing to spend on a property, how much you think you’ll need to borrow, as well as the loan purpose (i.e., if you’re intending on buying a house or building a house, etc).

It is important to remember though that a pre-approval is not a guaranteed loan approval! Rather, it’s a strong indicator of whether you would get the loan. A guaranteed loan approval requires further detail to be submitted, such as full credit check, etc.

A pre-approval is not a guarantee that the loan will be approved. You can still be declined a loan after receiving a pre-approval if you don’t meet the lender’s criteria, which can happen if your personal and financial situation changes, or if the lender finds the property you wish to purchase unacceptable as security. Some of the main reasons for being denied a loan include, but are not restricted to:

  • Having a bad credit history – This might result from late payments of phone or utility bills, missed credit card repayment, etc, which can all affect your credit score, and in turn, your mortgage application.
  • Having children – the number of dependents you have will affect the amount you can borrow.
  • Changing jobs or changes to your income level – A pre-approval is based on your income and employment status at the time of submitting your application, but if this changes it can affect the pre-approval process. Most lenders are okay if you change jobs so long as you stay in the same line of work, however switching your line of work completely or getting a pay cut can lead to complications.
  • Accruing more debt – Increasing your credit card and spend up big after applying for a home loan is not going to help you as it will impact the amount you’re able to borrow.
  • Interest rate changes – If there’s an interest rate increase, it means the maximum amount you are able to borrow may decrease.

A pre-approval doesn’t include an assessment on whether or not the property is acceptable by the lender, because it hasn’t been found yet. This is why the conditions on the pre-approval state “subject to a satisfactory valuation”.

  • Unacceptable properties – Certain properties may not be acceptable to some lenders – including but not restricted to small apartments, hobby farms, certain post codes, etc.

If you have built up enough equity in your property, you may be able to use this as a deposit.

Equity is the value of an asset not subject to any lender’s interest. For instance, a property worth $500,000 with a mortgage loan of $100,000 has equity of $400,000.

Just remember though, having equity doesn’t automatically mean you will be able to access it. Lenders will also assess your application on various factors such as employment, credit history, income, expenses and age.

Sound research can help reduce the risks of investing in property. Buying in sought-after locations, close to transport, schools and other amenities means you’re less likely to have problems finding tenants. You are also more likely to benefit with capital gains down the track.

When you buy an investment property, costs such as establishment fees, solicitor fees and stamp duty can add up. Instead of trying to find cash to pay these fees, consider taking them into account in your borrowings. That means you won’t need thousands of dollars in savings to get started. Find out more on how to minimise your cash outlay and consult with My Property & Finance today.

Landlord’s insurance can cover your investment property against damage or theft caused by the tenant, events such as weather and fire, as well as outstanding rent should the tenant fail to pay. It will also cover you for any death or bodily injury for which you are liable.

A property is negatively geared when the costs of owning it, exceeds the income it produces. If this occurs, you can then use your investment loss to offset the other income you earn, allowing you to claim a tax benefit.

Costs may include interest on the loan, bank charges, maintenance, repairs and depreciation, whilst income is the rent received. Simply put, your investment must make a loss before you can pay less tax.

Your financial adviser/registered tax agent can explain how negative gearing works in detail.

Need to do some more research?

Request a FREE Property Report

Learn more about the property your looking to purchase with a Comparable Market Analysis Report. Your report will include an estimated price range for the property, recent sale prices for similar properties within the area, information on the suburb performance and a suburb profile.