Your Trusted Investment Property Loan Broker in Perth - We Show You Which Lenders Count The Most Of Your Rent, Then Structure The Loan So Your Next Purchase Still Works
As your investment property loan broker in Perth, we do the hard part for you. Ezy Loans compares investment property loans Perth wide across a panel of dozens of lenders, structures the loan for tax and cash flow, and helps you use your existing equity.
From the first strategy conversation through to settlement, we handle all of it, then stay on hand for the next purchase.
You should not have to guess how to fund your next property. That is exactly what an investment property loan broker in Perth is for. We work out your borrowing power, compare pricing, and set up the right structure.
That includes an interest only investment loan where it genuinely suits your cash flow, rather than because it is the default a lender offered you.
The Bottom Line: An investment property loan broker in Perth gives you access to many lenders in one place, smart structuring, and expert help using equity. Whether you are buying to hold or planning to rentvest Perth style, talk to Ezy Loans for free, obligation-free advice.
Smarter Investment Property Loans From Expert Local Brokers For First-Time Investors, Portfolio Builders, Equity Investors, Rentvestors, SMSF Buyers
Investing should not be guesswork. As your investment property loan broker in Perth, Ezy Loans compares how [LENDER_COUNT] lenders shade your rental income, then structures the lending so the next purchase still works.
Powered By Australia's Leading Lenders
Because we work through the Australian Finance Group panel, your file is compared across [LENDER_COUNT] banks, credit unions and specialist lenders. Each one shades rental income differently, and across a portfolio that difference compounds significantly.
From Strategy To Settlement, Step By Step
Your investment property loan broker in Perth makes portfolio lending simple, from the first strategy chat through to settling the right loan.
Free Strategy Chat
We map your goals, your cash flow and your existing equity, then work out what your third and fourth purchase will actually need.
Borrowing Power and Structure
We work out your capacity and the smartest structure, including an interest only investment loan where it genuinely suits your cash flow.
Compare Investment Loans
We compare investment property loans Perth wide across [LENDER_COUNT] lenders and recommend the sharpest pricing and features for your <a href="https://ezyloansaustralia.com.au/rent-vs-buy-calculator/">plan</a>.
Settlement and Growth
We manage the application through to settlement, then stay on hand when your equity is ready to fund the next one.
WHAT LENDERS ACTUALLY COUNT
Why Two Lenders Value The Same Rent Differently
Your tenant pays the full rent. Your lender counts about three quarters of it, and the exact fraction differs from one lender to the next. Across a single property the gap looks small. Across a portfolio of three or four, it decides whether the next purchase happens.
What lenders assess | Typical treatment | Varies between lenders | Effect on your capacity |
|---|---|---|---|
Gross rental income | Shaded to roughly seventy to eighty percent | Yes, significantly | Reduces assessed income before anything else |
Existing investment repayments | Assessed at a buffer well above your actual rate | Yes | Reduces capacity sharply on the third and fourth purchase |
Negative gearing benefit | Added back by some lenders, ignored by others | Yes, sharply divided | Can swing the answer either way |
Property type | Standard, restricted, or declined outright | Yes | Serviced apartments and small studios are often excluded |
Interest only periods | Some assess as principal and interest after the term ends | Yes | Produces a higher assessed repayment than you pay |
None of this is published in a form you can compare yourself. It sits inside each lender’s servicing calculator. Working out which lender treats your particular rent roll most generously is the core of what we do before anything is submitted anywhere.
ASKED BY PERTH PROPERTY INVESTORS
What Perth Investors Ask an Investment Property Loan Broker in Perth
How much of my rental income will a lender actually count?
Most lenders count between seventy and eighty percent of gross rent, not all of it, to allow for vacancy and management costs.
The shading percentage differs between lenders, and so does how they treat an existing investment loan on your file. That combination is why two lenders can reach very different conclusions about the same portfolio on the same day.
What is rentvesting and does it work in Perth?
Rentvesting means renting where you want to live while owning an investment property somewhere more affordable.
People who rentvest Perth side are usually priced out of their preferred suburb but unwilling to keep waiting. The trade-off is real, though: you give up owner-occupier pricing and, in most cases, first home buyer concessions. Worth modelling properly before committing.
Should I cross-collateralise my properties or keep them separate?
Keeping loans separate is usually cleaner, even though cross-collateralising can look simpler at the application stage.
When properties are tied together, selling one or refinancing away becomes far harder, because the lender controls the whole set. Structure it separately from the start and you keep your options open as the portfolio grows.
Can I borrow against equity without selling anything?
Yes. Usable equity is generally eighty percent of your property’s value minus what you still owe on it.
That released equity can fund a deposit and purchase costs on the next property. It still has to be serviced, so the question is never only how much you can access, but whether the combined position holds if rates move.
"Portfolios stall because investors think they have hit an income ceiling. Usually they have hit one lender's rental shading policy, and moving the next purchase solves it."
- Amrinder Singh, Credit Representative 505232, Ezy Loans Australia
The Investment Broker Perth Investors Actually Trust
A panel of [LENDER_COUNT] lenders, smart structuring, and an investment property loan broker in Perth who works for you rather than a bank. Built on trust earned one Perth settlement at a time.
Real Lender Choice
Access to a panel of [LENDER_COUNT] lenders, so your investment property loans Perth wide are structured for your goals rather than one bank's policy.
Licensed and Accountable
Credit Representative 505232 under Australian Credit Licence 377294, with a legal best interests duty on every investment loan we arrange for you.
Structure and Strategy
We keep each loan on its own security, so you can rentvest Perth side or sell one property without renegotiating the whole portfolio at once.
Obligation-Free, Start To Finish
Our advice costs nothing, and your investment property loan broker in Perth manages the whole file, so building a portfolio stays simple.
WHERE WE WORK
Investors We Work With Across Perth
Our office is at 905 Hay Street in the Perth CBD, and we work with buyers right across the metropolitan area. Most conversations happen by phone or video at a time that suits you, so location is never the limiting factor.
Perth CBD, Joondalup, Wanneroo, Ellenbrook, Midland, Morley, Bayswater, Scarborough, Cottesloe, Fremantle, Cockburn, Rockingham, Baldivis, Mandurah, Armadale, Gosnells, Canning Vale, Southern River, Butler, Alkimos
Buying outside the metro area or interstate? We arrange lending Australia wide, so a move later does not mean starting again.
Questions About Investment Property Loans in Perth
Many lenders want around 10 to 20%, and a 20% deposit avoids Lenders Mortgage Insurance. You may also use equity from another property instead of cash.
As your investment property loan broker in Perth, we work out the smallest safe deposit for your situation across dozens of lenders.
An interest only investment loan can improve short-term cash flow, while principal and interest builds equity faster. The right choice depends on your strategy, not on what is popular.
We explain both honestly and structure the lending to suit your cash flow and long-term goals.
Yes. Usable equity in your home can often fund the deposit and costs on an investment property, letting you invest without a large cash deposit.
We calculate your usable equity and structure the lending so you can grow safely, or buy your first home first if that suits you better.
In most cases our investment property loan broker in Perth service is free to you. We are paid by the lender once your loan settles, not by you.
So you get expert help comparing dozens of lenders and structuring your loan at no cost, with no obligation.
Investment pricing is often slightly higher than owner-occupier pricing, and interest only terms can add a further margin, though this varies a lot by lender.
We compare across dozens of lenders to find the sharpest deal for your plan.
Positive gearing is when rent exceeds your costs. Negative gearing is when costs exceed rent, and the loss may reduce your taxable income.
This is general information only. Moneysmart sets out how gearing works, and your accountant should confirm how it applies to you.
Amrinder Singh
Amrinder Singh has arranged residential and asset finance since 2019 and founded Ezy Loans Australia at 905 Hay Street, Perth. As an investment property loan broker in Perth he also handles first home, refinance, construction, self employed and vehicle finance. Credit Representative 505232 under Australian Credit Licence 377294.
- Rental income shading compared across [LENDER_COUNT] lenders
- Each loan on its own security, so nothing is locked together
- One licensed Perth broker from strategy through to settlement
Let's Grow Your Perth
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Get a Free Consultation
No obligations. Speak to Amrinder Singh direct on 0432 066 362. General information only, not tax or financial advice.
Ezy Loans Australia is a Perth-based mortgage and finance brokerage helping first home buyers, investors and refinancers across Australia secure the right loan with confidence.
Contact Info:
- 905 Hay St, Perth WA 6000
- amrinder@ezyloansaustralia.com.au
- 0432 066 362