Investment Property Finance in Perth
Investment property finance is the process of borrowing to buy a property you intend to rent out rather than live in, and it works differently from a standard home loan. Lenders assess rental income, apply higher deposit and serviceability buffers, and price the loan differently depending on whether you go interest-only or principal and interest. A broker who works in this space regularly can structure the loan around your tax position, set up the right ownership entity or trust before settlement, and package multiple properties across lenders so you don't hit a single bank's exposure limits. Perth has 276 businesses listed under this category, ranging from solo mortgage advisers to large multi-broker firms, and their experience with investment lending specifically (as opposed to owner-occupier loans) varies a lot.
When comparing brokers, look for someone who asks about your long-term portfolio plans, not just the loan in front of them. Check whether they're upfront about how they get paid (lender commissions, and whether they charge any client fees), whether they hold a current credit licence or operate under one, and whether they have runs on the board with interest-only structuring, offset accounts, and cross-collateralisation trade-offs. A good broker will also flag risks, like what happens if rates rise or a tenant vacancy hits your cash flow, rather than just pushing the loan through.
Our scoring weighs verified reviews, responsiveness, years operating in Perth, and the breadth of lenders each broker has access to, so you can shortlist faster. See the full ranked list at Perth's best mortgage brokers, and read how we score and verify businesses on our methodology page.
Get help choosing investment property finance
Tell us what you need and we'll connect you with local mortgage brokers to discuss your options. No obligation.
All investment property finance, ranked by score and relevance
276 businesses. 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.
Enquiries you submit through our contact forms may be passed to partner providers who can complete the work, and we may receive a referral fee. Our rankings and scores come from our published scoring method only and are never affected by referral fees.
Common questions about investment property finance
- How much does a mortgage broker charge for investment property finance?
- Most brokers don't charge you directly. They're paid a commission by the lender when the loan settles, plus a smaller trail commission over the life of the loan. Some charge a flat fee for complex cases (multiple properties, trusts, or self-employed income), so ask upfront whether any client-side fee applies.
- How often do investors need to see a broker?
- Beyond the initial purchase, it's worth a check-in every time you consider buying another property, refinancing, or when your fixed rate is about to expire. Many investors also do an annual review to make sure their loan structure and rates are still competitive as their portfolio grows.
- What should I expect during the process?
- Expect the broker to review your income, existing debts, and the rental income estimate for the property, then compare loan products across several lenders. They'll help with pre-approval, guide you on loan structure (interest-only vs principal and interest, offset accounts, entity setup), and manage the paperwork through to settlement. A straightforward case can settle in a few weeks; multi-property or trust structures take longer.
- How can I tell if a broker is any good at investment lending specifically?
- Ask how many investment loans they've written in the past year versus owner-occupier loans, how many lenders they have on their panel, and whether they can explain cross-collateralisation and its risks without prompting. A broker who only asks about your income and never asks about your future purchase plans is likely treating it as a standard home loan rather than a portfolio strategy.
Guides to choosing investment property finance
- Buying an investment property in Perth: how to get your finance ready
What to sort out before you start looking at investment properties in Perth, from equity and borrowing capacity to loan structure decisions.