Investment
Finance Perth
Loan structuring that protects your cash flow and keeps your next purchase possible — from first rental to full portfolio.
+23.9%
Perth dwelling values, 12 months
Cotality HVI · 30 Jun 2026
Is this you?
You're ready to buy your first investment property and want the loan set up right from day one.
You own your home and suspect the equity in it could be working harder.
You're adding to a portfolio and hitting borrowing-capacity walls with your current lender.
You're exploring buying property inside your SMSF.
Sound familiar? A free 15-minute chat is the fastest way to see your options — book one here.
How TAG helps investors
Structure first, rate second
How the loan is set up — interest-only periods, offsets, which property secures what — often matters more than the rate. We structure for flexibility and your next move.
Use your equity properly
Accessible equity (up to 80% of your home's value minus your loan) can fund your deposit without touching savings. We show you the number and the safe way to release it.
Lenders who suit investors
Serviceability rules differ wildly between lenders — some count 90% of rental income, some less; some cap portfolio lending early. We pick the lender whose policy fits your position.
SMSF lending, handled
Limited-recourse loans inside super have strict rules and few lenders. We work alongside your accountant and financial adviser to arrange the finance side.
Perth's property investment market offers compelling opportunities — gross yields of 5–7%, vacancy rates below 1% in many suburbs, and strong capital growth through 2024–2026. TAG Finance works with Perth investors on strategy, not just rate comparisons. We advise on interest-only vs principal-and-interest structuring, SMSF limited recourse borrowing arrangements, cross-collateralisation risks, and portfolio equity management. Keeping investment loans completely separate from your family home is one of the most important structural decisions we help clients get right.
Types Available
Interest-Only Investment Loan
Minimise monthly outgoings and maximise cash flow flexibility. A popular structure for Perth investors.
Principal and Interest Investment Loan
Builds equity faster. Better for cash-flow positive properties. Lower interest rates than IO.
SMSF Limited Recourse Borrowing
Purchase property through your super fund. Rental income taxed at concessional super rates. Specialist lenders required.
Portfolio Refinance
Review and restructure multiple investment loans simultaneously — unlocking rate savings and releasing equity.
The investor process
Strategy chat
Your goals, equity position and borrowing capacity across lenders.
Structure
We design the loan setup with your accountant's tax advice in mind.
Approve
Pre-approval so you can negotiate on property with certainty.
Settle & repeat
We monitor rates and re-check capacity when you're ready for the next one.
Run your numbers
Include base salary, regular overtime and allowances. Exclude bonuses unless guaranteed.
Lenders typically count about 80% of rental and investment income.
Using a household benchmark estimate ($2,260/mo) based on your income and dependants — drag to override.
Car loans, personal loans, HECS/HELP. Not your current home loan (if refinancing).
Lenders assume 3.8% of your total limit as a monthly commitment — regardless of balance.
Assessed at 8.89% — your rate plus the 3% serviceability buffer lenders must apply.
Estimated Borrowing Power
$633,000
- Repayment at 5.89%
- $3,751/mo
- Indicative property budget
- $790,000
Property budget assumes roughly a 20% deposit on top of this loan. Lenders vary by tens of thousands on the same application — a broker comparison across 25+ lenders finds your true maximum.
Estimate only — not a formal assessment or loan offer. Results use simplified assumptions; your actual position depends on your full circumstances. Speak to a TAG broker for a free, personalised assessment.
Investor loan jargon, translated
Interest-only means you pay just the interest for a set period (usually up to five years), keeping repayments lower and cash flow free — the loan balance doesn't reduce during that time.
Cross-collateralisation is when one loan is secured by two properties. It can limit your flexibility to sell or refinance later; we usually structure loans to avoid it.
An SMSF loan (limited recourse borrowing arrangement) lets your self-managed super fund borrow to buy property, with the lender's claim limited to that property. The rules are strict — advice from your accountant or financial adviser is essential, and we arrange only the credit side.
TAG Financial Group provides credit assistance only. We are not tax agents or financial advisers — structuring examples are general information, and you should get advice on tax and investment strategy from a qualified professional.
Proof, not promises
Perth dwelling values rose 23.9% in the year to June 2026 — the strongest of any capital city (Cotality).
“This is our 3rd time using Tag Finance for purchasing property... we will look forward to talking again soon for our next property investment.”
“Excellent service! Alice truly understands the need of clients and provides informed advice. This is my second time Alice helps me from pre-approval to settlement.”
Common Questions
How much deposit do I need for an investment property?
Usually 10–20% of the purchase price, but many investors use none of their own cash — equity in your existing home can cover the deposit and costs. Lenders typically lend to 80% of a property's value without LMI, and up to 90–95% with it.
Should my investment loan be interest-only?
Interest-only keeps repayments lower and preserves cash flow, which many investors prefer while they hold. The trade-off is the balance doesn't reduce and rates are slightly higher. It's a strategy question as much as a finance one — we model both against your goals.
How do lenders treat rental income?
Most count 75–90% of expected rent towards your borrowing power — the discount covers vacancies and costs. Policies differ enough that the same portfolio can borrow $100,000+ more with one lender than another, which is why lender choice matters so much for investors.
Can I use my home's equity to buy an investment property?
Yes — it's the most common way Perth investors fund their first purchase. If your home is worth $900,000 with a $500,000 loan, you have around $220,000 of accessible equity (to 80% of value). We release it as a separate loan split so everything stays clean.
Can my SMSF borrow to buy property?
Yes, through a limited recourse borrowing arrangement, where the lender's security is limited to that property. Deposits are larger (usually 20–30%), fewer lenders play in this space, and strict super rules apply — get advice from your accountant, and we'll arrange the lending side.
Is now a good time to invest in Perth property?
Perth led every capital city with 23.9% growth in the year to June 2026 (Cotality) and vacancy rates remain very low. Whether that suits your situation is a personal decision — we can tell you exactly what you could borrow and what it would cost, so you can decide with real numbers.
See what your equity could do
Free borrowing-capacity and equity review with an investment lending specialist.
The information on this page is general in nature and doesn’t take into account your objectives, financial situation or needs. Consider whether it’s appropriate for your circumstances before acting on it. TAG Financial Group — Transact Holdings 1 Pty. Ltd., Australian Credit Licence 405647. Our Credit Guide explains how we’re paid and how we work for you.