Most first-time investors go to their bank. The bank gives them a product that works for the bank. Three years later they've built equity but can't release it, because the structure doesn't allow for it. I structure with the end in mind.
What you need to know.
Get the structure right first
Choosing the right lender and loan type for your first investment creates optionality for any future purchase. Not all loans behave the same way once you're holding more than one.
Understand how investors are assessed differently
Banks assess investor applications differently from owner-occupier applications. I'll explain what that means for your capacity and your application strategy.
Interest-only periods and cashflow
Many investors choose interest-only periods to manage cashflow. I'll explain how lenders assess interest-only requests and when P&I is the better fit for your application.
Deposit and LMI considerations
Investors typically need a 10-20% deposit. I'll model the LMI cost against waiting longer to save more, so you can decide which option works for your situation.
Know Your Numbers
What could you actually borrow?
Run your real numbers before we speak. Live as you type, no commitment, no credit check.
RBA rate update · 6 May 2026 applied
1 · What are you looking to do?
2 · Your details
3 · Properties you already own
4 · Core debts
Banks assess your limit, not your balance, at 3.8% of the limit per month, even if you pay it off each cycle.
Combined monthly repayments on personal and vehicle loans.
5 · Living expenses
I'll use average household living costs unless you enter your own.
Estimate only. Not a credit offer or pre-qualification. Subject to lender criteria, credit assessment, and a full needs analysis. Rental income and existing lending may be assessed differently by different lenders. Get in touch for advice tailored to your situation.
Your first investment is a foundation, not just a purchase. The right finance structure now is what preserves your optionality for whatever you decide to do next... and I work closely with trusted buyers agents if you'd like a second professional eye on the property side.
Written & reviewed by
Rebecca Tickner
Finance Broker, Maxfin · Diploma of Finance & Mortgage Broking Management (FNS50322) · ASIC Credit Rep 571611 · MFAA Member
I built a seven-property portfolio with my partner. I structure clients' finance the same way I run mine.
More about RebeccaInvestor Playbooks
Other investment loan situations.
Different investor, different structure. Pick whichever sounds most like you for the deeper read.