
INVESTMENT PROPERTY LOANS
Whether you're purchasing your first investment property or expanding an existing portfolio, the right finance can make all the difference. At Fulton Financial, we help you explore investment property loans, compare lenders and find financing options that align with your property investment goals.
Compare investment home loan options from multiple lenders to find finance that suits your circumstances.
Understand how your existing property equity could help finance your next investment.
We consider your current circumstances and future property goals when exploring suitable lending options.
Investing in property is about more than purchasing another home. It's about making informed decisions that support your financial goals, whether you're looking to generate rental income, build long-term wealth or expand your existing portfolio. From understanding borrowing capacity to comparing interest rates, loan structures and repayment options, there's plenty to consider before making your next move.
At Fulton Financial, we help simplify the lending side of property investment. As your investment property loan broker, we'll take the time to understand your circumstances, explore suitable lending options and explain the details that matter. Whether you're entering the investment market for the first time or purchasing your next property, we're here to help you navigate the process with confidence.
Every property investor has different goals, and finding the right investment home loan means looking beyond the interest rate. Loan features, repayment structures, equity, borrowing capacity and future investment plans can all influence which finance solution is most suitable for your circumstances.
We'll help you compare investment property loans from multiple lenders, understand the differences between interest-only and principal-and-interest repayments, and explore how your existing property equity may support your next purchase. From application to settlement, we'll handle the lending process and keep you informed along the way, so you can focus on making your next property investment decision.
A SIMPLER WAY FORWARD
Clear advice and practical guidance at every step of your home loan journey.

YOUR HOME LOAN JOURNEY
01 Let's talk
02 Explore options
03 Move forward
We'll discuss your financial circumstances, property investment plans and what you're hoping to achieve.
We'll assess your borrowing position, available equity and suitable investment loan options.
We'll explore investment home loan products, repayment structures and features to help you make an informed choice.
We'll help prepare your application, organise documentation and guide you through the pre-approval process where appropriate.
Once you've found a property, we'll coordinate with the lender through formal approval and settlement.
Your investment goals may evolve over time. We'll be here to help you review your lending options as your needs change.
Many lenders prefer a 20% deposit for investment property loans, although lower-deposit options may be available subject to lending criteria and lenders mortgage insurance. The deposit needed also depends on the property and your financial circumstances. We can help compare suitable investment home loan options.
An investment home loan is generally used to finance a property you intend to rent out rather than live in. Interest rates, lending criteria and loan features can differ from owner-occupier loans. An investment property loan broker can explain these differences and help you compare options.
You may be able to use available equity in an existing property to help fund an investment purchase, subject to a lender's valuation and assessment of your borrowing capacity. Accessing equity increases your debt and may affect your repayments. We'll help you explore possible loan structures and risks.
Interest-only investment property loans generally have lower repayments during the interest-only period, but the loan principal does not reduce during that time. Principal-and-interest repayments reduce the balance over time. The right structure depends on your cash flow, costs and goals; tax implications should be discussed with a qualified tax adviser.
Investment property borrowing capacity depends on your income, living expenses, existing debts, deposit and the lender's assessment of rental income and other commitments. Different lenders apply different policies. We can review your circumstances and help you understand potential investment loan options.
Yes. An investment property loan broker can help review finance options for your first rental property or an expanding portfolio. We'll consider your existing loans, equity, cash flow and future goals when comparing lenders and loan structures. Approval remains subject to each lender's criteria.
LET'S TALK HOME LOANS
Buying, refinancing or investing? Tell us a little about what you need and we'll help you explore your options.
Leave your details and we'll be in touch.
^Individual lenders may charge fees to the customer.