Need a highly competitive property investment loan?
Looking into an investment property or rentvesting, we can help you choose the right investment loan for your needs.
Or simply call us on 📞 1800 774 756
Your local team of property investment loan specialists
1. Expert brokers on your side
Banks knock back home loan applications every day - often for reasons that could’ve been avoided. At Cube, you’ve got a team of 11 expert brokers on your side, each with their own area of specialty across home loans, investment lending, business finance and more. We’ll help you cut through the red tape and improve your changes of approval.
2. Tailored to your needs
Every loan is different, and what someone else needs is likely not what you need. We search 1000's of loan options to find the right loan for your needs, simply get in touch here.
3. We're here now, and later
Your home loan is an investment that requires ongoing maintenance, including regular check-ups to make sure you have the best home loan rates. We stay ahead of this for you.
4. Local experts, trusted by many
We’re proud to be a local team, with over 200 glowing Google reviews from people who’ve trusted us with their finance journey.
We help our property investment loan clients by helping remove the stress - and helping you get a better deal. Simply contact Scott or Nevada today if you need help:
Scott Beattie
Founder/Co-Owner · Mortgage Broker
Scott loves helping First Home Buyers and helpings Australians save money through refinancin
Nevada Matthews
Co-Owner · Mortgage Broker
Nevada loves working with property investors and business owners
We compare loan options from over 60 leading lenders to find what suits you
✔ We do the loan rate shopping and negotiations
✔ Access to major banks and specialist lenders
✔ We simplify everything
Cube Loans are a multi-award winning brokerage
What is a property investment loan, and how is it different from a home loan?
A property investment loan is designed specifically for purchasing real estate that you intend to rent out or hold for capital growth, rather than live in.
While both property investment loans and standard home loans share similar structures (e.g., principal and interest or interest-only repayments), lenders often assess investment loans with more scrutiny. This can mean slightly higher interest rates or stricter eligibility criteria, as lenders view investment properties as higher-risk compared to owner-occupied homes.
At Cube Loans, we help you navigate these nuances and identify the most competitive and suitable loan options aligned with your investment goals.
How much deposit do I need for an investment property?
Generally, lenders require a minimum deposit of 10% to 20% of the property’s purchase price for an investment loan. However, providing a larger deposit can reduce your Loan-to-Value Ratio (LVR), potentially giving you access to better interest rates and avoiding Lenders Mortgage Insurance (LMI).
We assist our clients in structuring their finances strategically—sometimes leveraging equity in an existing property—to minimise upfront costs and maximise investment returns.
Can I use the equity in my home to invest in property?
Yes, using equity in your existing home is one of the most popular ways to finance a new investment property. Equity is the difference between your property’s current market value and the balance of your mortgage. If you've built up sufficient equity, you may be able to access funds without a cash deposit, by either refinancing or using a line of credit.
At Cube Loans, we’ll calculate your usable equity and advise on how to leverage it without overextending your financial position.
Are the interest payments on an investment property tax-deductible?
In most cases, yes - interest paid on your investment property loan is tax-deductible because it’s considered a cost incurred in generating rental income. Other potential deductions include property management fees, maintenance costs, and depreciation.
That said, tax laws can be complex and frequently change. We recommend speaking with a qualified tax accountant. Meanwhile, Cube Loans ensures your loan is structured effectively to align with both your financial and tax objectives.