Investment Property Finance in Perth
Investment property finance covers loans for buying a rental home, unit or townhouse in Perth, plus refinancing or restructuring loans on properties you already own. A broker compares lenders for you, works out how your existing debts and rental income affect borrowing power, and handles the application.
What to look for in a broker
- Investor experience. Ask how many investment loans they arrange, and whether they work with clients who hold several properties.
- Lender range. Lenders treat rental income, negative gearing and existing debt differently, so a wide panel matters.
- Structure advice. Interest-only versus principal and interest, offset accounts, and how loans are split or cross-collateralised.
- Clear fees and disclosure. They should explain commissions and any fee you pay.
How our scoring helps
With 305 businesses listed, we score each one on the evidence we can check, so you can shortlist without calling dozens of offices. Read the ranked guide to Perth mortgage brokers for the top picks, and see the methodology for exactly how scores are built. Then speak to two or three brokers and compare how they explain your options.
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All investment property finance, ranked by score and relevance
We found 306 businesses offering investment property finance; 303 met the criteria for the scored directory. The order weighs each business's overall score by how much of its reviewed work is investment property finance, so a lower-scored specialist can rank above a higher-scored generalist. Filter and sort below, or open the full map view.
Quote and contact requests you submit through our forms may be passed to one or more partner providers who can carry out the work, and we may receive a fee for those referrals. Rankings and scores are not influenced by referral fees and remain separate from our independent, published scoring method.
Common questions about investment property finance
- How much does an investment property finance broker cost?
- Most brokers are paid a commission by the lender, so many charge you nothing upfront. Some charge a fee, often a few hundred dollars up to about $1,000 or more for complex cases, sometimes refunded against commission. Ask before you sign.
- How often do I need a broker for investment loans?
- Typically at each purchase and at each refinance. Many investors also review their loans every one to two years, since rates, lender policy and property values change.
- What should I expect when working with a broker?
- A first chat about income, debts, deposit and goals, then document collection (payslips, tax returns, statements). The broker compares lenders, recommends a structure, lodges the application and follows it through to settlement. Pre-approval often takes a few days to a couple of weeks.
- How do I judge a broker's quality?
- Check they are licensed or an authorised credit representative, ask about their lender panel, and see whether they explain trade-offs rather than just the lowest rate. Clear answers on fees and commissions, plus reviews from other investors, are good signs.
Guides to choosing investment property finance
- Using equity to buy an investment property in Perth
Using equity to buy an investment property in Perth: usable equity worked out, $143,075 to buy at $600,000, the 3% APRA buffer, and how to structure the loans.