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Investment Loans
Explore lending pathways for purchasing residential or commercial investment property.
Who this may suit
Borrowers looking to purchase their first investment property
Existing investors looking to grow their portfolio
Owner-occupiers wanting to convert their home to an investment
Buyers seeking interest-only repayment options
Common use cases
Purchasing a residential investment property
Buying commercial or mixed-use investment property
Using equity in an existing property to invest
Interest-only lending for cash flow management
Portfolio expansion with multiple securities
Buying land or off-the-plan investment properties
Documents commonly required
Valid photo ID
Recent payslips or tax returns (self-employed)
Last 3–6 months bank statements
Existing loan statements for current properties
Rental appraisal or existing lease agreements
Rates notices for properties held as security
Negative gearing schedule or investment property tax records if applicable
Important considerations
LVR limits for investment lending are typically lower than owner-occupier loans
Interest-only periods have a limit and revert to principal & interest — repayments increase after IO period
Rental income used for servicing is typically assessed at a shaded rate — not the full rental amount
Tax implications (negative gearing, capital gains) should be reviewed with a tax adviser
Multiple properties may require cross-collateralisation — understand security arrangements
All lending subject to lender assessment, credit criteria and final approval
Ready to explore your options?
Start a lending enquiry
No obligation. Takes 60 seconds. Secure & private.
Helpful official resources
The following links are to independent government and regulatory sources. They are provided for general reference only.
Important Information
Information on this page is general in nature and has been prepared without taking into account your objectives, financial situation or needs. It does not constitute credit advice, financial advice, loan approval or a loan offer. Any lending outcome is subject to lender assessment, eligibility, verification, valuation, credit criteria, responsible lending obligations and final approval. Fees, charges, terms, conditions and lending criteria may apply. K&M Capital may assist borrowers by collecting enquiry information, helping prepare lending scenarios and connecting borrowers with brokers, lenders, service providers or referral partners where appropriate. K&M Solutions and Services Pty Ltd (ACN 649 305 126) does not hold an Australian Credit Licence.
Information on this page is general in nature and has been prepared without taking into account your objectives, financial situation or needs. It does not constitute credit advice, financial advice, loan approval or a loan offer. Any lending outcome is subject to lender assessment, eligibility, verification, valuation, credit criteria, responsible lending obligations and final approval. Fees, charges, terms, conditions and lending criteria may apply. K&M Capital may assist borrowers by collecting enquiry information, helping prepare lending scenarios and connecting borrowers with brokers, lenders, service providers or referral partners where appropriate. K&M Solutions and Services Pty Ltd (ACN 649 305 126) does not hold an Australian Credit Licence.