Investment Loans | CBV Capital

Build Wealth Through Property Investment Finance

Investment Loans and What They Mean for You

Buying an investment property is one of the most common ways Australians look to build wealth over time. Whether you are purchasing your first rental property or growing an existing portfolio, the right investment loan can make a significant difference to your long-term outcomes. At CBV Capital, we have been helping property investors structure their investment property finance for over 16 years, working with clients in Adelaide and right across Australia.

An investment loan is a loan taken out specifically to purchase a property that you intend to rent out or hold as an investment, rather than live in yourself. Because lenders treat investor borrowing differently from owner-occupied lending, it is important to understand how investment loan products work before you commit to one. Investor interest rates are generally slightly higher than owner-occupier rates, and the loan features available to you can vary considerably between lenders.

Interest Only vs Principal and Interest

One of the key decisions when structuring an investment loan is whether to choose interest only repayments or principal and interest repayments. With an interest only investment loan, you only pay the interest portion each month, which keeps your repayments lower in the short term and can help with cash flow while you are building your portfolio. With a principal and interest loan, you pay down the loan balance over time, which reduces your overall debt and builds equity in the property.

Many property investors use interest only periods strategically as part of their property investment strategy, particularly in the early years of ownership. However, interest only periods are subject to lender approval and APRA guidelines, so it is worth understanding how these work before you apply. CBV Capital can walk you through the differences and help you understand which structure may suit your situation.

Variable Rate and Fixed Rate Investment Loans

Investment loan products are available with either a variable interest rate or a fixed interest rate. A variable rate moves in line with market conditions and lender decisions, meaning your repayments can go up or down over time. A fixed rate locks in your investment loan interest rate for a set period, giving you certainty over your repayments during that term.

Some investors choose to split their loan between variable and fixed portions to balance flexibility with certainty. Calculating investment loan repayments under each scenario is something CBV Capital can assist with, so you have a clear picture before you commit.

Loan to Value Ratio and Lenders Mortgage Insurance

Your loan to value ratio, or LVR, is the percentage of the property value that you are borrowing. For example, if you have a 20 per cent investor deposit and borrow the remaining 80 per cent, your LVR is 80 per cent. Most lenders prefer an LVR of 80 per cent or below for investment loans. If your LVR is above 80 per cent, lenders will generally require you to pay Lenders Mortgage Insurance, or LMI. LMI is a cost borne by the borrower and is calculated based on the loan amount and LVR.

For self-employed investors, demonstrating your income and serviceability can sometimes require a different approach. CBV Capital specialises in working with self-employed clients and understands how to present your financial position clearly to lenders. We work across a wide panel of banks and lenders, which means we can access investment loan options that suit your individual circumstances.

Negative Gearing and Tax Considerations

One of the reasons many Australians invest in property is the potential for negative gearing benefits. When the costs of holding your investment property, including interest on your investment loan, exceed the rental income it generates, you may be able to offset that loss against your other income. This is known as negative gearing and it has historically been a key part of many investors' property investment strategy.

It is important to note that the tax rules around negative gearing have changed. Under legislation that received royal assent on 26 June 2026, properties acquired after 7:30pm AEST on 12 May 2026 will, from the 2027-28 income year, only be able to offset losses against other residential property income rather than against salary and wages. Properties held at that date, and eligible new builds, continue under the previous rules. These are complex tax matters and you should seek advice from a qualified tax professional before making any decisions. CBV Capital's role is to help you access investment loan options and structure your property investment loan, not to provide tax advice.

Other claimable expenses on a rental property can include council rates, property management fees, insurance, repairs, and depreciation. Maximising tax deductions is a matter for your accountant, but understanding how your investment loan is structured can play a role in how those deductions are calculated.

Growing Your Portfolio with Equity

For investors who already own property, it may be possible to leverage equity in an existing property to fund the deposit or purchase costs on a new one. This is known as equity release and it is a strategy many investors use to support portfolio growth without needing to save a fresh deposit each time. Passive income from rental properties, combined with careful use of equity, can be a powerful approach to building long-term financial freedom.

Vacancy rate is another factor worth considering when assessing an investment property. A property in an area with a low vacancy rate is more likely to generate consistent rental income, which supports your ability to service your investment loan over time. CBV Capital can help you access a property report to support your research.

If you are considering an investment loan refinance, whether to access a better investment loan interest rate, release equity, or consolidate your lending, CBV Capital can review your current position and compare investment loan options across our lender panel. We also assist with home loans and refinancing for clients looking at their broader lending needs. For investors with more complex structures, our self-employed loans service may also be relevant to your situation.

Our Simple Process

Step 1: Initial Conversation
We start with a simple, no-obligation chat. This is your chance to tell us what you need and ask any questions you have. We listen carefully so we can understand your goals and point you in the right direction from day one.

Step 2: Understanding Your Situation
We take a closer look at your financial position, including your income, expenses, assets, and any existing debts. This helps us build a clear picture of where you stand and what options are available to you.

Step 3: Researching Your Options
With access to a wide panel of lenders across Australia, we do the legwork for you. We compare products, rates, and terms to find solutions that genuinely suit your needs, not just the first option that comes along.

Step 4: Presenting Your Options
We walk you through the options we have found in plain language. No jargon, no confusion. We explain the pros and cons of each so you can make a confident, informed decision.

Step 5: Preparing Your Application
Once you are happy with a solution, we prepare your application with care and attention to detail. We help you gather the right documents and make sure everything is in order before it goes to the lender.

Step 6: Submitting and Managing Your Application
We lodge your application and stay on top of it every step of the way. We communicate with the lender on your behalf, handle any follow-up requests, and keep you updated so you are never left wondering what is happening.

Step 7: Settlement and Beyond
Once your finance is approved and settled, our job is not done. We are here to answer questions, review your finance as your circumstances change, and support you whenever you need us. We build long-term relationships, not just one-off transactions.

Real Stories, Real Results

Jasper was an outstanding mortgage broker and I highly recommend him. As a first home buyer, I had no idea where to start, but Jasper guided me through the entire process from beginning to end. He was always available to answer my questions, no matter how small or silly they seemed, and took the time to explain everything clearly. The property process moved very quickly at times, and Jasper was always proactive, responsive, and on top of everything. Buying my first home felt much less stressful thanks to his support, knowledge, and professionalism. If you’re looking for a mortgage broker who genuinely cares and goes above and beyond, it’s Jasper

Isabel Scuteri

Michael Faraonio has proved to be an excellent Commercial Finance Broker. He has assisted us will a number of transactions over the past few years and has also been a great conduite between us and the banking institutions. Michael is alway proactive finding us the best deals that may be available to our business and is easy to work with. We would highly recommend Michael.

Jennie Shearn

This is the second time we have worked with a broker from Keylend and couldn't recommend them highly enough! We are very grateful to Jasper for helping us. He guided us from the beginning of our journey until the end. I was blown away by his knowledge and ability to put together multiple plans to find the best one for us. He was always very quick to respond and adaptable when we needed it, especially in such a difficult market. Thank you so much for your hard work Jasper!

Elyse Bell

Michael was amazing! Great at communicating and giving advice for every step along the way and going above and beyond. Thanks for helping us into our first home!

Jessie Macpherson

Your Questions Answered

Why should I use a finance broker instead of going directly to my bank?

When you go directly to a bank, you only see what that one lender has to offer. A finance broker like CBV Capital has access to a panel of lenders, which means we can look at a wider range of options on your behalf. We understand how different lenders assess applications, what they look for, and which ones may be more suited to your particular circumstances. This can save you a significant amount of time and effort. Beyond that, we are here to support you through the entire process, answer your questions, and make sure you understand what you are signing up for. It is about having someone in your corner.

What types of finance can CBV Capital help me with?

CBV Capital works across a broad range of finance types. This includes home loans for owner-occupiers and investors, commercial property finance, business loans, equipment and asset finance, vehicle finance, and more. We work with both individuals and businesses, so whether you are buying your first home, expanding your business, or purchasing new equipment, we can look at your options. Each situation is different, and we take the time to understand yours before recommending a path forward. If you are unsure whether your finance need falls within our scope, just give us a call and we will let you know how we can help.

Is CBV Capital a licensed finance broker?

Yes. CBV Capital operates under an Australian Credit Licence, which means we are authorised to provide credit assistance in accordance with the requirements set out under Australian law. We are committed to acting in your interests and meeting our obligations under the National Consumer Credit Protection Act. This includes being transparent about how we are paid, ensuring any loan we recommend is not unsuitable for your situation, and providing you with the documentation you are entitled to throughout the process. You can have confidence that when you work with CBV Capital, you are dealing with a professional and compliant finance business.

What does a finance broker actually do?

A finance broker acts as the link between you and a range of lenders. Rather than you spending hours researching loan products and dealing with banks directly, a broker does that work on your behalf. At CBV Capital, we assess your situation, understand what you are trying to achieve, and then approach lenders who may be suited to your needs. We handle the paperwork, manage the communication, and guide you through each step of the process. Whether you are looking at a home loan, a business loan, or asset finance, having a broker in your corner means you have someone working for you, not for the bank.

How do I get started with CBV Capital?

Getting started is straightforward. You can reach out to us by phone, email, or through our website to book an initial conversation. There is no obligation involved in that first chat. We will take the time to listen to what you are looking to achieve, ask a few questions about your situation, and give you an honest overview of how we may be able to help. From there, if you are happy to proceed, we will outline the next steps and get the process underway. Whether you are ready to move now or just starting to think about your options, we are happy to have a conversation at whatever stage you are at.

What information will I need to provide when applying for finance?

The information required will depend on the type of finance you are applying for, but generally speaking, lenders want to understand your income, your expenses, your assets, and your liabilities. For individuals, this might include recent payslips, tax returns, bank statements, and identification documents. For businesses, lenders may also ask for financial statements, business activity statements, and details about the business itself. At CBV Capital, we will walk you through exactly what is needed for your specific situation. We want to make sure your application is as complete and well-prepared as possible before it goes to a lender, which helps avoid back-and-forth delays.

How long does the finance application process take?

The timeframe can vary depending on the type of finance you are applying for, the lender involved, and how quickly we can gather the required information from you. Some applications move through relatively quickly, while others, particularly for complex commercial or business lending, may take longer. At CBV Capital, we work to keep things moving as efficiently as possible and will keep you informed throughout the process. We will let you know upfront what documents and information we need from you so we can avoid unnecessary delays. Our goal is to make the process as smooth as possible from start to finish.

Is CBV Capital able to help clients outside of Adelaide?

Absolutely. While CBV Capital is based in Adelaide, we work with clients right across Australia. Thanks to phone, email, and video calls, geography is no barrier to getting quality finance support. We have helped clients in major cities, regional towns, and rural areas secure the finance they need. Whether you are in Sydney, Perth, Darwin, or a small town in Queensland, our team is ready to work with you. We make the process as straightforward as possible regardless of where you are located, so do not hesitate to get in touch no matter where you call home.

How does CBV Capital get paid?

In most cases, CBV Capital is paid a commission by the lender when a loan is settled. This means that in many situations, you do not pay us directly for our broking services. We are required by law to be transparent about how we are paid, and we will always disclose our remuneration to you clearly before you proceed. It is important to us that you understand exactly how the process works and feel confident in the advice and support you receive. If there are any situations where a fee may apply, we will discuss that with you upfront so there are no surprises along the way.

Can CBV Capital help if I have had credit issues in the past?

Having a less-than-perfect credit history does not automatically mean you cannot access finance. There are lenders who specialise in working with people who have had credit challenges in the past, and CBV Capital has experience working across a range of credit situations. We will take the time to understand your history and your current circumstances before exploring what options may be available to you. We will always be honest with you about what we find and what is realistic. It is important to us that you have a clear picture of where you stand so you can make informed decisions about your next steps.

Investment Loans for Property Investors

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