- Mortgage Broker for Property Investors
Investment Property Loans Built on Real Results
Write Finance helps property investors across Brisbane and Queensland structure investment lending that protects borrowing capacity, maximises portfolio growth, and works efficiently across every property they hold.
- What You Get With Write Finance
Investment lending is structurally different to owner-occupied lending, and the decisions made at the start of a portfolio have a compounding effect on every purchase that follows. We assess your full financial position, existing lending, and long-term property goals, and build a lending strategy that supports where you want to be in five to ten years, not just the next purchase.
We understand the Brisbane and Queensland property markets that investors are actively targeting, how lenders assess risk across different postcodes and asset types, and how local valuation trends affect your LVR, borrowing capacity, and approval terms. Whether you are buying in Brisbane's inner ring, outer growth corridors, or regional Queensland, we know how lender policies apply across those markets.
Not every lender assesses investment income and portfolio structures the same way. We work with over 60 banks, credit unions, and non-bank lenders, including specialist providers that offer investment-specific products with competitive interest-only terms, favourable rental income assessment, and flexible portfolio lending policies. Having access to this full panel is how we match you with the lender that genuinely suits your investment strategy.
From tax returns and rental income statements to trust deeds and company financials, we prepare your application with the documentation lenders actually want to see. For investors with complex structures, multiple properties, or self-employed income, how your position is presented to a lender matters as much as the numbers themselves.
With access to more than 60 lenders across our panel, we give property investors across Brisbane and Queensland more choice, stronger negotiation power, and loan options aligned to how investment income and portfolio structures are actually assessed. We compare across the full panel on your behalf so you are never limited to what one bank offers.
We help property investors across Brisbane and Queensland structure investment lending with clarity and a long-term strategy. Support covers:
- Structuring investment loans to protect your borrowing capacity for future purchases
- Accessing competitive interest-only terms and rental income assessment policies across 60+ lenders
- Building lending strategies around trusts, companies, SMSFs, and complex ownership structures
- Presenting your full financial picture clearly so lenders assess your real investment capacity, not just surface numbers
- Supporting investors buying their first investment property through to those managing multi-property portfolios across Brisbane and Queensland
- Over 60 Lenders
Access to Australia's Leading Lenders
Not every lender assesses investment income and portfolio lending fairly. Some apply conservative rental income shading that reduces your borrowing capacity, others have more favourable interest-only policies or stronger appetite for investment properties in your target postcode. With access to over 60 lenders including specialist investment providers, we match you with the one whose policies genuinely suit your investment strategy, giving you more choice and stronger outcomes.
- Our Capabilities
Investment Lending Strategies Built Around Your Portfolio Goals
First Investment Property
Buying your first investment property in Brisbane or Queensland is a significant financial decision that requires more planning than a standard home purchase. We assess your borrowing capacity, identify the most appropriate lender and loan structure for your situation, and make sure the lending is set up in a way that supports your next purchase rather than limiting it.
Portfolio Expansion
For investors looking to grow beyond their first property, lending strategy becomes increasingly important. We structure each new purchase around your existing portfolio, protecting your overall borrowing capacity and making sure each loan works efficiently alongside the others. Whether you are buying your second property or your tenth, we plan the structure with future purchases in mind.
Investment Loan Refinancing
If your investment loans have not been reviewed in the last 12 to 18 months, there is a real chance you are paying more than necessary or sitting in a structure that is limiting your next move. We compare your current loans against our full panel of 60+ lenders and refinance you into more competitive arrangements where it makes clear financial sense.
Interest-Only and Cash Flow Structuring
Interest-only periods are a common and effective tool for property investors managing cash flow across a portfolio. We identify which lenders offer the most competitive interest-only terms for your situation and structure repayments around your cash flow needs, rental income, and longer-term investment goals.
Trust, Company, and SMSF Lending
Investors using trusts, companies, or self-managed super funds to hold property require specialist lending advice. We work with lenders across our 60+ panel who understand complex ownership structures and can assess your position fairly, making sure your entity structure does not limit your access to competitive lending products.
Equity Release and Portfolio Leverage
As your Brisbane or Queensland properties grow in value, the equity you have built becomes a powerful tool for funding your next purchase without relying solely on cash savings. We assess your current equity position across your portfolio and identify the most appropriate way to access and deploy it in a way that supports your investment strategy and protects your overall borrowing capacity.
How Our Lending Process Works
Understanding Your Investment Goals
We start with a proper conversation about your current position, your existing lending and property holdings, and what you are trying to achieve as an investor across Brisbane and Queensland. Whether you are buying your first investment property or expanding an established portfolio, understanding your long-term goals from the start is how we make sure every lending decision we recommend supports where you are heading, not just the immediate transaction.
Assessing Your Financial Position
Unlike a bank that assesses you against a single set of policies, we review your full financial position across our panel of 60+ lenders to identify the most accurate and advantageous assessment for your situation. We review your income, existing loans, rental income, entity structure, and tax returns to build a complete picture of your borrowing capacity. For investors with self-employed income, trust structures, or multiple properties, this assessment is more detailed than a standard application, and getting it right from the start determines how far your portfolio can grow.
Structuring and Lender Matching
This is where we add the most value. We compare policies and rates across more than 60 lenders, including ANZ, CommBank, NAB, Westpac, Suncorp, BOQ, and specialist non-bank providers with strong investment lending policies. Some lenders assess rental income more generously, others have better interest-only terms or stronger appetite for investment properties in your target suburb across Brisbane and Queensland. We look well beyond the headline rate and make sure the loan structure supports your current portfolio and your next purchase.
Documentation, Approval, and Settlement
Once the right lender and structure are confirmed, we manage the documentation preparation and submission process from start to finish. We keep your application moving efficiently, manage all lender communication, and keep you updated at every stage so there are no surprises between approval and settlement. After settlement, we continue to review your portfolio position proactively so your lending keeps pace with your investment goals as your portfolio grows.
Testimonials
What Our Clients Say
Why us
Why Property Investors Across Brisbane and Queensland Choose Write Finance
Write Finance supports property investors across Brisbane and Queensland who want investment lending advice built around long-term portfolio strategy, not just the next approval. Most lenders and many brokers treat investment applications transactionally, which means the structure of your lending is set up for the current purchase without considering how it affects every property you want to buy afterwards.
Investment lending requires a more strategic approach. Whether you are a first-time investor buying in Brisbane’s growth corridors, an experienced investor expanding a multi-property portfolio across Queensland, a self-employed investor with complex income, or a property buyer using a trust or SMSF structure, the strategy we build reflects your specific position and long-term goals, not a generic investment template.
You will work directly with senior broker Mark Tran, with guidance that stays strategic, transparent, and focused on long-term portfolio outcomes rather than a transactional approval and handoff.
Meet Your Mortgage Broking Team
We're personal, experienced, and committed to your success.
How Investment Property Loans Work
Investment property loans are assessed differently to owner-occupied home loans. Lenders apply different policies to rental income, interest-only periods, LVR limits, and portfolio serviceability, and the assessment method used varies significantly between lenders. Most banks apply a single conservative framework to every investor, which means borrowing capacity is regularly understated and portfolio growth is limited by lending structure rather than actual financial capacity.
The most common issue we see is that banks shade rental income at 70% to 80% of its actual value when calculating serviceability, which reduces how much you can borrow against your portfolio. Combined with conservative interest rate buffers and restrictive interest-only policies, the wrong lender can significantly limit how quickly and how far your portfolio grows. Across our panel of 60+ lenders, investment assessment methods vary considerably, and identifying the right one for your specific portfolio and income structure is one of the most important decisions in your application.
We translate your investment position clearly, structure your application with the documentation lenders need, and match you with the lender whose policies genuinely support your portfolio goals. For investors with equity across existing properties, we also identify the most effective way to access and deploy that equity so your next purchase is funded efficiently without disrupting the performance of what you already hold.
Documents Lenders Need for Investment Property Loans
Investment property loan applications require more documentation than a standard owner-occupied purchase, particularly when income includes rental returns, self-employed earnings, or complex ownership structures. Lenders want to understand your full financial position, existing portfolio performance, and repayment capacity across different market conditions.
Lenders typically require your last two years of personal tax returns to assess income consistency, rental income history, and any investment-related deductions. For self-employed investors, business tax returns are also required alongside personal returns.
For existing investment properties, lenders require current lease agreements or property management statements to confirm rental income. This income is assessed at a shading rate that varies between lenders, which is one of the key factors we consider when selecting the right lender for your portfolio.
Lenders review statements for all existing loans, including owner-occupied and investment mortgages, to assess your current repayment commitments and overall debt position. We use these to demonstrate your repayment history and calculate your net borrowing capacity accurately.
Lenders review your bank statements to confirm income deposits, assess living expenses, and check savings behaviour. Three to six months of statements is the standard requirement across most of our lender panel.
For investors purchasing through a trust, company, or self-managed super fund, lenders require the relevant entity documents including trust deeds, company constitutions, ASIC extracts, and SMSF financial statements to assess the structure and confirm borrowing eligibility.
For self-employed investors, an accountant's declaration or business profit-and-loss statements may be required to support income declarations and demonstrate the financial health of any business interests held alongside the investment portfolio.
Investment Property Loan FAQs
Most lenders require a minimum deposit of 10% to 20% for an investment property purchase, with lenders mortgage insurance typically applying below 80% LVR. For investors with equity in existing properties, we assess whether that equity can be used as the deposit for a new purchase, which can allow you to buy without needing additional cash savings. We review your full position across our panel of 60+ lenders and identify the most appropriate deposit structure for your situation.
Lenders apply a shading rate to rental income when calculating serviceability, typically between 70% and 80% of the actual rental amount. This means the rental income from your investment property is not counted in full when assessing your borrowing capacity. Assessment methods and shading rates vary significantly across our panel, and choosing the right lender for your portfolio can meaningfully increase how much you can borrow. We identify which lenders apply the most favourable rental income assessment for your specific situation.
Yes, in most cases. If your existing Brisbane or Queensland property has grown in value since you purchased it, you may be able to access that equity as a deposit for an investment purchase without needing additional cash savings. We assess your current equity position, your borrowing capacity across our lender panel, and the most appropriate structure for accessing and deploying that equity in a way that supports your investment goals without compromising your existing lending position.
Interest-only loans reduce your minimum monthly repayment during the interest-only period, which improves cash flow and allows you to direct surplus funds elsewhere, whether that is into an offset account on your owner-occupied loan, additional savings, or the next investment purchase. Interest-only terms are available from most lenders on investment loans, though the duration and conditions vary. We identify which lenders offer the most competitive interest-only terms for your situation and structure your repayments around your cash flow and portfolio goals.
Yes. Many investors in Brisbane and Queensland hold investment properties through discretionary trusts, unit trusts, or company structures for asset protection, tax planning, or estate planning purposes. Lending through these structures requires lenders who understand complex ownership arrangements and are willing to assess the application fairly. We work with lenders across our 60+ panel who are experienced in trust and company lending and can structure your application correctly from the start.
Refinancing Investment Properties in Brisbane and Queensland
Refinancing is worth reviewing if your investment loan has not been assessed in the past 12 to 18 months, if property values across your portfolio have grown and you want to access equity for your next purchase, or if your current lender’s policies are limiting your ability to expand. We review your current investment loans against our full panel of 60+ lenders and give you a clear picture of whether switching or restructuring makes genuine financial sense before you make any decision.
Yes. As your Brisbane or Queensland properties grow in value, refinancing allows you to access a portion of that equity for a deposit on a new investment property, renovations to improve rental yield, or restructuring existing lending to improve overall portfolio cash flow. We assess your equity position across your full portfolio and identify the most appropriate lender and structure for accessing it in a way that supports your investment strategy.
Yes, lenders reassess your complete financial position when you refinance, including your income, existing loans, rental income across all properties, and current property values. For investors whose portfolio has grown since their original loans were written, this reassessment often works in your favour. We prepare your refinance application with the same level of detail as a new purchase, making sure your full income and portfolio position is assessed accurately by the right lender.
It directly affects which lenders are the most appropriate fit for your refinance. Some lenders have policies that limit exposure to investors with multiple properties, while others actively compete for portfolio investors and offer more competitive terms as your holdings grow. We review your full portfolio structure and identify the lenders whose policies and products will produce the strongest outcome for your specific situation across Brisbane and Queensland.
The most common mistakes are refinancing each property in isolation without considering the impact on overall portfolio borrowing capacity, going directly to a single bank that applies conservative rental income shading, and not reviewing the loan structure at the same time as the rate. Many investors also miss the opportunity to access equity at the point of refinancing that could fund their next purchase. We compare across more than 60 lenders, assess your full portfolio position correctly from the start, and make sure the refinance outcome genuinely improves your position before you make the switch.
Get started
Take the Next Step with a Mortgage Broker Who Understands Property Investment
No pressure
Just clear,
expert guidance
Leave your details and we’ll get in touch to map out your options.
