Investment Property Loan Broker Sydney | Echidna Equity
Investment Property Loan Broker, Sydney

The right loan structure is
half the investment strategy.

Echidna Equity helps property investors in Sydney access the right finance, structure their lending correctly, and build portfolios that compound over time. No fees. Ever.

Talk to an Investor Specialist Call 0485 981 099
75+ Lenders Compared
No Fees for Our Service
Portfolio Lending Specialists
Licensed Credit Representative
Based in Sydney

Investment Lending in Sydney

Getting the property right is only half the job.

Most investors spend months researching properties and ten minutes thinking about their loan. That's the wrong order. How you structure your investment lending has a direct impact on your cash flow, your borrowing capacity for future purchases, and your tax position.

We work with first-time investors buying their second property and experienced investors managing portfolios across multiple lenders. In both cases, the conversation starts with strategy, not rate.

We compare 75+ lenders, identify the right structure for your goals, and manage the full process so you can focus on finding the right property.

75+
lenders on our panel including specialist investor-focused products
$0
cost to you for our service from strategy session to settlement
4th
investment property one client reached within two years of their first refinance with us

What We Do For Investors

Finance that's built around your portfolio, not just your next purchase.

Investment lending is more nuanced than owner-occupied lending. Here's what we bring to the table.

🏗️

Loan Structure Strategy

Interest-only versus principal and interest, cross-collateralisation risks, offset positioning, and how to keep your loans separated so future borrowing isn't compromised. We map this out before you commit to anything.

📊

Borrowing Capacity Modelling

We calculate your current and future borrowing capacity across different lender policies so you know how many properties you can realistically acquire and in what order.

💼

Portfolio Lending

Managing multiple properties across different lenders requires careful coordination. We keep track of your full lending picture and make sure each new purchase is set up to support the next one.

🔑

Equity Release

If your existing properties have grown in value, we can help you access that equity to fund your next deposit without disturbing your current loan structure.

Why Structure Matters

The wrong loan structure can limit your entire portfolio.

These are the structural decisions that trip up investors most often. Getting them right from the start is far easier than unwinding them later.

✦

Cross-Collateralisation

Linking multiple properties as security for one loan gives lenders more control over your portfolio than you should want. We keep loans separate where possible to protect your flexibility.

✦

Interest Only vs Principal and Interest

Interest-only periods preserve cash flow and can make sense during growth phases. But they are not always the right call, and lenders assess them differently. We model both scenarios for your situation.

✦

Debt Recycling

Using your owner-occupied offset to pay down non-deductible debt while drawing investment equity can significantly improve your after-tax position over time. We work through this with you and your accountant.

✦

Lender Policy Differences

Not all lenders assess rental income the same way. Some shade it at 75%, others at 80%. Some cap the number of investment loans they'll hold per borrower. Knowing these differences upfront shapes which lender we approach first.

✦

Serviceability Buffers

APRA's 3% serviceability buffer means lenders assess your ability to repay at a rate significantly higher than what you'll actually pay. We find lenders whose policies give your application the best chance of approval.

✦

Future Borrowing Capacity

Every loan you take reduces your capacity for the next one. How you structure today's purchase directly affects how many properties you can buy tomorrow. We plan for the portfolio, not just the deal in front of us.

Who We Work With

Whether it's your second property or your sixth, we've seen it before.

Investment situations vary widely. Here are the types of investors we commonly help.

🏠

Owner-Occupiers Buying Their First Investment

You own your home and want to leverage its equity to enter the investment market. We map your borrowing capacity, identify the right structure, and make sure your owner-occupied loan isn't compromised in the process.

📈

Growing Portfolio Investors

You already have one or two investment properties and want to keep adding. We manage your full lending picture across lenders to make sure each purchase keeps the door open for the next.

🏢

Investors with Complex Income

Commission, self-employed income, or income from multiple sources can complicate investment applications. We know which lenders assess these most favourably and structure your application accordingly.

🌏

Expat Investors

Australian expats, including those based in the Philippines and across Southeast Asia, regularly use us to invest in Australian property from abroad. We navigate the foreign income and residency policy differences across lenders.

How It Works

Strategy first. Finance second.

We don't start with lenders. We start with your portfolio goals and work backwards from there.

01

Portfolio strategy session

We discuss your goals, current position, and how many properties you're aiming to acquire and over what timeframe.

02

Borrowing capacity review

We map your current and projected capacity across different lender policies and identify the best sequence for future purchases.

03

Lender and structure recommendation

We present the right lender and loan structure for this purchase, with an eye on how it sets up the ones that follow.

04

Application and settlement

We manage the full process through to settlement and stay in contact as your portfolio grows.

Client Story

When the bank said no, the portfolio kept growing.

Getting the right lender is often the difference between a portfolio that stalls and one that compounds.

John and Sandra: From Two Properties to Four

John and Sandra came to us with a $1.6 million loan, two investment properties, and two problems most lenders wouldn't touch. John's income was commission-based and Sandra had just started a new role. Every direct approach hit a wall. We found a lender that assessed their full financial position rather than just employment tenure, refinanced their existing loan, and saved them over $250,000. With the freed equity, they purchased their third property within six months and their fourth within two years.

$250k
Saved, enabling two more purchases

Common Questions

What investors ask us most.

Investment lending raises questions that owner-occupied borrowers rarely need to think about.

Most lenders require a minimum of 10% to 20% for investment purchases, with 20% needed to avoid Lenders Mortgage Insurance. If you own an existing property, we can often use the equity in that to fund the deposit without requiring additional cash savings. The exact amount depends on which lender we match you with and your overall position.
It depends on your cash flow position, your tax situation, and your growth strategy. Interest-only reduces your minimum repayment and preserves cash flow during the growth phase of a portfolio. Principal and interest builds equity faster. There's no universal right answer and we model both options for your specific situation before making a recommendation.
That depends on your income, existing debt levels, and the rental yields on the properties you buy. Some lenders cap the number of investment loans they'll hold per borrower, which is why spreading across multiple lenders is often part of the strategy. We model this out from the start so you're not surprised when you try to buy your third or fourth property.
Yes. If your owner-occupied property has grown in value since you purchased it, the equity can often be accessed through a loan top-up or refinance and used as the deposit on an investment purchase. We assess your equity position and work out the cleanest way to access it without affecting your existing loan unnecessarily.
Investment loans typically carry a higher rate than owner-occupied loans, usually between 0.1% and 0.5% higher depending on the lender. The gap varies significantly across our panel, which is one reason lender selection matters for investors. We find the best investment rates available for your situation, not just the best headline rate across all loan types.
Yes. Lending in a company or trust structure is assessed differently and not all lenders offer it. We work alongside your accountant or financial planner to make sure the lending structure supports the ownership structure you've chosen. If you haven't decided on structure yet, we can connect you with advisers who specialise in investment property.

Let's map out your next purchase.

Book a strategy session with Lorenzo or Tom. We'll look at your full position and tell you exactly what's possible and how to structure it.

Talk to an Investor Specialist Call 0485 981 099

Echidna Equity Pty Ltd ACN 678 592 713. Credit Representative Number 562940 of Australian Credit Licence 384704. Suite 302, 13/15 Wentworth Ave, Sydney NSW 2000. General information only. This does not constitute financial, tax or legal advice and does not take into account your objectives, financial situation or needs. Credit criteria, terms and conditions apply. Investment property lending involves risk. Interest rates, fees and product features are subject to change without notice. We recommend seeking independent financial and tax advice before making any investment decision.