Our Investment Home Loan Service

"Our expert mortgage brokers can help you secure an investment property loan or construction loan for property development "

Do you want to invest in commercial or residential property?

Wondering if you can get an investment loan for either residential or commercial real estate properties?  You can also get an investment loan for property development , however, not all investment loan products are same.


Our specialist investment property loan brokers make sure that, you can take full advantage of any available cost saving options aligned to your investment strategy. Our mortgage brokers can also help you cash out from your existing property equity for investment or business purposes. Simply call us or book online for a premium home loan broker service for free .

Get the Financing You Deserve

How much you can borrow?

All about the applicant


About the dependent


Property Usage


Monthly income after tax

Rental monthly income

Other monthly income

Monthly living expense

Monthly loans payments

Monthly property expense

Borrowing Capacity




Min deposit to

borrow max



value range


Loan Details





interest rate


Loan term or

loan period

30 Years

Cost of the Loan

Monthly Repayment


Total amount

to be paid


Total interest



Want to make your investment work harder for you by investing in property?

Supporting investor clients with commercial, residential, or property development loan 

We help to secure the funding for our clients looking to invest in residential or commercial properties or for property development. The clients are either planning to buy an investment property or trying to finalise funding for commercial development. Before committing to an investment property you should assess whether the investment is consistent with the investment strategy and the risk profile of the asset. However, there are state and bank policies that are specially designed for investment property loans for investors to get the most out of their investment.  You might miss out on the available opportunities if your plan didn't include taking these options into considerations. You also might have a hard time securing the loan amount you want or the commercial investment loan terms suitable for you. Call us or send us a message today to find out more about how we can arrange the right investment property loan fast and easy for you.

Before applying for an investment property loan, the applicants need to know:

1. The property they intend to buy meets their investment strategy and financial circumstances
2. Lower LVR (Loan to Value ratio) investment property loans usually offer most competitive rates, generally below 70%
3. A loan to value ratio (LVR) of 80% or more usually requires investors to pay for lenders mortgage insurance (LMI) 
4. The property purchased for investment purposes requires stamp duty to be fully paid even for first home buyers  

5. The commercial property development loan amount is limited to only up to 70% of the value of the property

6. The investment loan amount is currently limited to only up to 90% of the value of the property plus the LMI 

Benefits of investment loans to invest in property

1. Investment options: Investment property loans are designed for both residential and commercial properties, giving you a wide range of options than owner-occupied properties.

2. Cash flow:  Rental yields from investment properties can bring much-needed cash flow which means, managing repayments are much easier if investment decisions are made correctly.

3. Capital growth: The investment property owners can enjoy all the capital growth and rental income regardless of whether the property has been fully paid for. Investors can utilise the income coming from the property to help pay for the loan.

4. Tax savings: Minimising your tax liability may be possible if you have investment property loans, as interest expenses can be declared as tax deductions.

Disadvantages of investment loan to invest in property

1. Higher associated costs - Investment property loans and preparation tend to be more costly than owner-occupied property loans which must be factored into the investment decision.

2. Higher deposit amount  - To qualify for investment loan you need at least 10% of the value of the property as your own contribution compared to 5% required for owner-occupied property home loans.

3. Higher associated risks - If the investment property loan defaults, it is easier for the lenders to sell the property, to recoup their investment and associated costs compared to owner-occupied property loans.

4. Possible tax losses - Any tax losses from the property cannot be offset against your taxable income if it is not set up correctly.

How we help our clients?

Easy and Convenient

See the benefits of using our expert mortgage brokers for your home loan.

1. Right Loan

We find the right home loan at a great rate from a wide range of home loan offers.

2. Free Expert Advice


You don't miss out on any available grants or concessions for your property financing.

3. Peace Of Mind


Knowing that a home loan expert is looking out for the best deal for you.

4. Convenience  


Our brokers will come to you & take care of the application until the home loan is settled.

5. Timely Funding 

Get the home loan amount you want in a timely manner without any stress.    

6. Premium Service 


Most importantly you will get a five-star mortgage broking service and advice for free.   

The Documents Required For Investment Property Loan Approvals

Documents For Employees


1. Drivers license copy

2. Passport bio-pages copy

Proof of Income & Savings

3. Two recent pay-slips from current employers

4. Salary account statement for the last 90 days

5. Savings account statement 

6. Notice of Assessment (NOA) from ATO

Proof of Expenses & Liabilities

7. Everyday account statements for the past 90 days

8. Any credit card statements for the last 90 days

9. Any car loan or personal loan statements for the last 90 days

Property  Income & Costs

10. Property related costs such as Council, utilities, insurance, strata etc. if available 

11. Current rental income or future rental appraisal

Documents For Self-Employed


1. Drivers license copy

2. Passport bio-pages copy


Proof of Income & Savings

3. Business account statement for the last 90 days

4. Savings account statement (90 days)

5. Notice of Assessment (NOA) from ATO

6. Latest Tax return document


Proof of Expenses & Liabilities

7. Everyday account statements for the past 90 days

8. Any credit card statements for the last 90 days

9. Any car loan or personal loan statements for the last 90 days

Property  Income & Costs

10. Property related costs such as Council, utilities, insurance, strata etc. if available 

11. Current rental income or future rental appraisal

Documents for Company


1. Drivers license copy of directors

2. Passport bio-pages copy of directors

Proof of Income & Savings

3. Company / business  account statement for the last 90 days

4. Profit/Loss statement for 12 months  

5. NOA from ATO for each director

6. Company latest tax return doc

7. Ownership structure ASIC report

Proof of Expenses & Liabilities

8. Business day to day account statements for the past 90 days

9. Any business loan statements for the last 90 days

10. Any business-related asset finance (eg. car loan or equipment loan etc.) statements for the last 90 days

Property  Income & Costs

10. Property related costs such as Council, utilities, insurance, strata etc. 

11. Current rental income or future rental appraisal

We can help...

Call 0468 702 672

Call us on 0468 702 672 or 0468 424 315 or 0430 362 226. We will answer all your queries instantly or ASAP.

Book appointment

Simply book an appointment online instantly and one of our expert mortgage brokers will meet you at a place and time of your choosing.

Tools & Guides

Loan Repayment Calculator

Compare Loan Repayments

- Borrowing Power Calculator

- Property buying guide like a pro

Visit our office

Come and visit us at our office close you. We have a number of offices and mobile mortgage brokers across Sydney.

Available Investment Property Loan Options

Your  Investment Property Financing Options

When it comes to finding an investment property loan, the possibilities are almost limitless as it is a relatively popular loan product and almost all lenders do it. However, there are some good options and a relatively easier process compared to some other banks or lenders. Contact us for more information about investment property loan or property development financing options and we’ll be happy to explain the options and help you find the one that suits your needs and preferences best.

Variable Rate Home Loan

The Right Loan for You

A variable interest rate investment property loan is very popular in Australia. Golden Key Home Loan brokers find its clients the most competitive interest rate loans for their investment properties. We would be happy to discuss the details of the variable rate property loan and customise it in order to suit your specific needs, investment strategy, and financial situation.


Are you wondering that if you qualify for a good rate investment property loan? Contact us to find out if you’re eligible, and whether this would be a good fit for your needs.

Fixed Rate Property Loan

A Brighter Future

It’s easy to get lost while navigating all the different types of loans available for home buying. The Fixed Rate home loan could be the right one for you, but it’s important you understand all the implications before signing something you could later regret.


Fixed-rate investment property loan could be a great option as it offers fixed monthly costs and in most cases offers better interest rate than variable rate. Contact us today to discuss the benefits and disadvantages, and together we’ll decide whether this is the right investment property loan for you.

Split Rate

Home Loans

Prospective Property Owners

We have been helping clients in Sydney with securing funding for their real estate investments. A split rate investment property loan can help clients take advantage of both fixed and variable rate investment property loans. It is suitable for some investors but may not be appropriate for everyone.


Call us to learn more about to find out whether this would be a good investment property loan for you. We will provide all the necessary information for you to make an educated decision so that you can relax knowing that, you made the best decision.

Interest Only Property Loan

Savvy Property Investor

Interest-only investment property home loans are quite popular among property investors. You repay only the interest on the borrowed amount usually for the first one to five years of the loan, although some lenders offer longer terms. Your monthly repayments are lower because you’re not paying off the principal and only paying interest amount. At the end of the interest-only period, you begin to pay off both interest and principal.


These loans are especially popular with investors who plan to pay off the principal when the property is sold, having achieved capital growth.

Low Doc
Home Loans

Loan for Self Employed

Low Doc home loans are designed for self-employed people who don’t have all the financial documents providing proof of income usually required to secure a home loan. The low-doc mortgage loan can be both variable and fixed-rate home loans.


It could be a suitable option for some applicants as it could be the only way to secure an investment property loan within limited timeframe and paper works.  Mortgage maze can seem confusing – especially with so many different products and policies of different lenders. Golden Key Home Loan brokers in Sydney will help you along the entire process.

Other Common Home Loan types

Seasoned Property Owners

There are so many other types of home loans available in the market catering to different kinds of home loan borrowers. The following loans are very specific and suits borrowers with certain circumstances such as Construction Loans, Introductory Rate Loans, Bridging Loans, Line of Credit / Equity Line, Reverse Mortgage etc.


Call a Golden Key Home Loan Broker today and take the guess part, out of your mortgage financing plan. We will come to you any place in Sydney convenient for you, as a part of our five-star mortgage-broking service commitment. 

Contact us for more details about the types of loans we offer our clients.

Mob: 0468 702 672,

0411 715 426, 0430 362 226

Main Office: Suite 16, 168-176 Haldon St, Lakemba - 2195, Sydney, NSW, Australia

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©2020 by Golden Key Mortgage Australia. All rights reserved.

Goldenkey Property Pty Ltd, ACN 621 050 020.