At RD Finance Solutions, we specialise in helping property investors secure the right investment loans to grow their portfolios. Whether you’re purchasing your first investment property or expanding your holdings, we collaborate with trusted accountants and financial planners to provide you with strategic lending advice.
With access to an extensive panel of reputable lenders, we tailor solutions to suit your specific investment goals. Our expert team takes the time to understand your long-term strategy, structuring loans to maximise tax efficiency and future borrowing capacity.
With a single point of contact throughout the process, we ensure clear communication and personalised support, helping you make confident, informed decisions.
We take the time to understand your goals—whether it’s long-term capital growth, rental yield, or building a property portfolio—so we can recommend the right loan structure to support your strategy.
We work with your accountant or financial adviser if needed to structure your investment loan in a way that maximises tax effectiveness, manages risk, and keeps your finances flexible.
With access to a broad range of lenders, we compare competitive investment loan options and identify the one that aligns with your goals, cash flow needs, and property plans.
We clearly outline the costs involved—from interest-only repayments and Lenders Mortgage Insurance (LMI) to ongoing fees—so you can make informed decisions and budget accurately.
We assess your current property equity and help you access it as a deposit or to grow your portfolio, without overextending your financial position.
Our support doesn’t end at settlement. We regularly review your loan to ensure it continues to meet your needs as your investment goals evolve.
Could not rate Renee and her team more highly. Throughout the entire process they were consistent with communication – returning calls within minutes, texting and emailing where necessary, explaining things in detail if needed and guiding us through the buying process with confidence. Stunned at how straight forward and simple they managed to make our more complicated case. Amazing!
Sophie Nicol
Thinking about buying an investment property? It’s normal to have questions like: “How much can I borrow?”,
“What will my repayments look like?” and “What costs do I need to factor in?”
A great place to start is with these simple, easy-to-use calculators:
Most lenders require a deposit of at least 10-15% of the property’s purchase price for an investment loan. However, if you already own a home, you may be able to use the available equity as your deposit instead of cash. This can allow you to invest without needing to save a large lump sum upfront. RD Finance Solutions can help you calculate your usable equity and structure the loan accordingly.
Both options have pros and cons. Established properties may offer better locations, immediate rental income, and capital growth potential, while new builds can provide higher depreciation benefits, lower maintenance costs, and modern appeal for tenants. The right choice depends on your investment goals, budget, and risk appetite.
Owning an investment property can offer several tax benefits. You may be able to claim deductions on expenses such as loan interest, property management fees, maintenance costs, insurance, and depreciation on the building and fittings. If the property is negatively geared (costs more to hold than it earns), the loss can often be used to reduce your taxable income. It’s important to consult a qualified accountant to ensure you’re maximising your entitlements and complying with current tax laws.
Interest-only repayments can help maximise cash flow in the short term. However, principal-and-interest repayments reduce your loan balance over time, helping you build equity and pay less interest in the long run. The best option depends on your investment strategy, cash flow needs, and long-term goals. We can help you compare both structures to find the right fit for your situation.
When you’re ready to take the next step, we’re here with expert advice and personalised support to guide you through your first home journey.
