Investment Loans · Sydney
Build your portfolio the right way.
Getting your loan structure right from the start can make a significant difference to your investment strategy. We work through the numbers with you before you commit.
General information only. Not personal financial advice.
Who it's for
Is this right for you?
First-time investors
If you're buying your first investment property, getting the loan structure right from day one sets you up for the long term. We explain the options in plain English.
Growing your portfolio
Already own an investment property and looking to expand? We review your existing structure and find lending that supports your next move without overexposing you.
Optimising your strategy
Whether you're focused on cash flow, capital growth, or tax efficiency, loan structure matters. We help you understand the trade-offs before you commit.
How we help
What you get with Swish
The right loan structure affects your tax position, cash flow, and ability to grow your portfolio. We help you get it right from the start.
We compare the implications of both so you can choose the structure that suits your strategy and cash flow, not just the lowest headline rate.
We explain how offset accounts and redraw facilities work in an investment context, and when using them can help or hurt your position.
We help you understand the risks and benefits of linking your properties, and when it makes more sense to keep them separate.
We explain the details in plain English so you can make confident, informed decisions at every stage of your investment journey.
Good investment decisions today set you up for tomorrow. We're with you as your portfolio grows and your strategy evolves.
Ready to get started?
Book a no-obligation chat with Matt or Jess. Clear advice, no pressure, at no upfront cost to you.
General information only. Not personal financial advice.
How it works
Simple from the very first call
We have a chat
Tell us about your situation. We ask the right questions to understand your goals, budget, and timeline, with no obligation.
We research your options
We search our lender panel and compare options that suit your needs. We explain the differences clearly so you can make a confident decision.
We get it across the line
We manage the paperwork, liaise with the lender, and keep you updated every step of the way to settlement.
Common questions
Straight answers
What's the difference between an owner-occupier and investment loan?
Investment loans typically carry slightly higher interest rates than owner-occupier loans and have different tax implications. We help you understand the difference and find the most competitive product for your situation.
Should I use interest-only or principal and interest?
It depends on your strategy. Interest-only keeps repayments lower and can improve cash flow, but you don't reduce the loan balance. We run through both scenarios with your numbers so you can decide.
How much deposit do I need for an investment property?
Most lenders require at least 10–20% for an investment property. You may also be able to use equity in your existing home rather than cash. We'll identify what options are available to you.
Can I use equity in my home to buy an investment property?
Yes. If your home has grown in value, you may have usable equity that can serve as your deposit. We calculate your available equity and work through the most efficient way to access it.
Ready to take the next step?
Book a no-obligation chat with Matt or Jess. No pressure, no jargon, just clear advice tailored to your situation.