Investment Property Financing

At Mortgages Plus, we help property investors create, grow, and manage their portfolios through customised finance solutions. From your first investment purchase to building a multi-property portfolio, we provide the strategies and lender access needed to maximise returns, manage risk, and future-proof your investments. With no upfront fee, you gain expert guidance at every step.

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What is Investment Property Financing?

Investment property financing involves using structured lending solutions to purchase, refinance, or expand your property portfolio. The right finance strategy can:

  • Unlock equity to fund future acquisitions or renovations.
  • Optimise cash flow with the right balance of fixed and variable rates.
  • Build tax-effective loan structures with features like splits, offsets, and interest-only arrangements.
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Property investing isn’t just about buying an investment property. It’s about structuring your investment loans strategically to support long-term growth and enhance your overall investor strategy.

Why Choose Mortgages Plus for Property Investment Financing

Personalised Strategies

Every investor has different goals, whether focused on yield, capital growth, renovations, or wealth creation. We take the time to review your investment portfolio, assess rental income, cash flow and property valuations, and design an investor strategy that aligns with your objectives.
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Why it matters
The average Australian refinance saves $1,908 a year. Small wins add up! Cut years off your loan and/or build lasting wealth through smart investment portfolios.

Expert Guidance

With in-depth knowledge of investment property lenders, from major banks to specialist and non-bank options, we guide you through policies, borrowing limits, and requirements, while working with accountants to ensure tax-effective loan structures.

Why it matters
50+ lenders = better choices. Experience avoids mistakes and gets you sorted fast. Find the perfect lender for your situation.

Clear, Transparent Process

We explain fees upfront, outline realistic timelines, and keep you informed at every stage. There are no hidden surprises, and because we’re paid by the lender at settlement, our services come at no cost to you.

Why it matters
Smart tech and transparency build trust. That’s why we are an award-winning team with 100+ five-star Google reviews.

Common Investment Challenges

Property investors often face unique financing hurdles. We make the process simpler by anticipating and solving these challenges:

Borrowing Power Limits

Lenders often cap borrowing after one or two properties. We use flexible lenders and spread exposure across multiple banks to maximise capacity.

Valuations Coming in Low

Unexpected valuations reduce equity. We order multiple upfront valuations to secure the best outcome.

Complex Loan Structures

Multiple loans and facilities can be overwhelming. We simplify structures while balancing cash flow with long-term growth.

Tax and Cash Flow Considerations

Investors require sustainable returns and tax efficiency. We work with accountants to model loan impacts on both.

Expert mortgage support for clients in Australia.

Supporting Clients Across Australia

Based on Sydney’s Northern Beaches, Mortgages Plus works with clients in suburbs like Manly, Dee Why, Narrabeen, and Avalon, as well as throughout Greater Sydney and regional NSW, including the North Shore, Inner West, Hunter Valley, and Central Coast. We also assist clients nationwide, from Melbourne and Brisbane to Adelaide and Perth.

Photo of Chris the Mortgage Broker
A beautiful cathedral cove in New Zealand with water and blue sky

Ready to Invest?

No upfront fee. Clear advice. Investment-focused support.

Take the next step in building or expanding your property portfolio with customised finance strategies from Mortgages Plus. Call us today at +61 (0) 447 222 628 or or book a free consultation online.

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Frequently Asked Questions

How many investment properties can you finance?

Each lender has different limits, with some capping at 3–4 properties while others are more flexible. We might spread loans across multiple lenders to maximise your borrowing power and help you continue building your property investment portfolio without hitting a hard stop.

Will rental income be fully counted for servicing?

Most banks only count 70–80% of rental income when assessing serviceability.

We know which lenders are more generous in the current market and structure applications to ensure you're getting the most recognition for your rental returns.

Should I choose interest-only or principal and interest?

It depends on your investment strategy. Interest-only can free up cash flow for growth, while principal and interest builds equity faster. We model both options so you can see the long-term impact on repayments, equity, and borrowing capacity.

What if a property valuation comes in low?

We order upfront property valuations with multiple lenders and use the strongest result, so a single low valuation doesn’t limit your ability to access equity or borrow further.

How do you structure loans for tax effectiveness?

We work closely with your accountant to ensure investment loans are set up correctly, for example, separating investment and owner-occupied debt or using offsets for maximum benefit, and get everything set up right from the start. The aim is to maximise deductions while keeping your structure sustainable.

Don’t just take our word for it
See for yourself what our clients think with 100+ five star reviews on Google
“We can’t recommend Chris highly enough! He not only secured us a great rate but did so with lightning speed and amazing communication along the way. If you are looking for a mortgage broker who combines great expertise, incredible efficiency and a genuine passion for his clients’ success... Chris is the one!”

Nicole + Tristan

Manly, NSW

"Chris has been amazing since the very first phone call. His experience and knowledge is second to none! I was provided with plenty of options to look at, and the ease of which he made the whole process really took the pressure off my situation and I felt totally comfortable throughout the whole process. I am so happy I gave Chris a call and let him help my with my new mortgage and have already started recommending him to anyone and everyone. Thanks Chris, your help and support is very much appreciated."

Paul b

Bisbane, QLD

"We couldn’t recommend Chris more highly! He has helped us over a long period of time and has been incredible throughout the entire process. No question is ever too small, and he has always been so patient, approachable, and happy to take the time to explain everything in detail so we genuinely understand what we’re doing and why. Mortgages and refinancing can be incredibly overwhelming, especially when you’re navigating so many moving parts and have a million questions, but he has made the whole experience so much easier. He has guided us through every step, helped us achieve a fantastic result, and given us the confidence to make informed decisions along the way. What really sets him apart is that he genuinely cares, is always willing to help, and goes above and beyond to make sure everything is understood and taken care of. We’re so grateful to have someone we trust to guide us through such important financial decisions, and we wouldn’t hesitate to recommend him to anyone looking for a knowledgeable, patient, and genuinely outstanding mortgage broker."

Dominika + Daniel

Bondi Beach, NSW

"Exceptional service from start to finish, highly recommend Mortgages Plus I came to Mortgages Plus with a less-than-perfect credit history and was honestly unsure if getting a home loan was even possible, let alone with a major bank. Chris and the team completely turned that around. Chris took the time to properly understand my situation, guided me every step of the way, and found a clear path forward. Thanks to his expertise and the support of the wider team, we now have a home loan with one of the major banks — something I didn't think was achievable not long ago. What stood out even more was how Chris went above and beyond. When things with the conveyancer started to stall, he stepped in, got everything moving again, and kept the process firmly on track. That level of care made a real difference. A huge thank you to Chris, Sita, and the entire team at Mortgages Plus. Professional, supportive, and genuinely committed to getting the best outcome for their clients. I wouldn't hesitate to recommend them to anyone looking for a mortgage broker who actually delivers."

Larry S

Brisbane, QLD

"We honestly cannot thank Chris and his amazing team enough! From start to finish, they have been absolutely wonderful. They went above and beyond for us every step of the way, making the whole process feel so much easier and less stressful. What really stood out was their incredible communication. We were constantly kept in the loop, with messages, updates and reassurance throughout the entire journey. We never felt like we were left wondering what was happening, and that meant so much to us. Nothing ever felt like too much trouble, and their genuine care, kindness and dedication really shone through. It's not often you come across people who truly go that extra mile, but Chris and his team certainly do! We are so incredibly grateful for everything they've done for us and couldn't recommend them highly enough. Thank you, Chris and team, from the bottom of our hearts! You have been absolutely amazing!"

Adepeju S

Brisbane, QLD

"Very happy to recommend Chris to others. You will benefit from his in-depth understanding of the lending market and his relaxed, no-pressure approach. It's also too easy with Chris."

Phil + Ben

Sydney, NSW

"Chris has been fantastic from day one and is hands down the best broker we've worked with. He supported us throughout our property journey and was instrumental in helping us buy our first property in Sydney. The whole process felt seamless thanks to his guidance, communication and expertise. He was proactive, responsive and always looking for the best outcome for us, especially when he had to pivot our strategy following the budget changes. We can't thank Chris enough!"

David + Jess

Sydney, NSW

"We had a mildly complicated mortgage situation and I am a needy client! Chris remained available, calm, knowledgeable and patient with my many MANY questions, and most importantly he got us an unbeatable deal on our bridging finance and subsequent mortgage. Nothing was ever too much trouble - and it was always service with a smile. If I ever run the gauntlet of buying a new house again, Chris will be my very first port of call!! (Pray for Chris!)"

Alex + Chris

Wollongong, NSW

"Chris organised the mortgage for our daughter and her partner, with us providing a guarantee against our own home. The process was seamless, we were never out of pocket, and Chris supported us at every step. We're delighted the guarantee was discharged after just 14 months. Our daughter and her partner now stand solidly on their own feet, and we couldn't be prouder or more grateful to Chris for facilitating such a happy outcome! Highly recommend. "

Lisa S

Avoca Beach, NSW

"Exceptional Experience. We can't speak highly enough of Chris. From the start, his professionalism, knowledge, and dedication made what could have been a stressful process feel smooth and straightforward. He stayed calm throughout every stage, explaining things clearly and making sure we felt confident in every decision. His communication and attention to detail were outstanding. What sets him apart is genuine devotion to customer service. Nothing was ever too much trouble, and he consistently went above and beyond for the best possible outcome. His commitment and responsiveness were sensational. Wherever you live (we're in regional South Australia), Chris is the broker to trust. We're grateful for his support and recommend him without hesitation. Thank you, Chris, for your amazing work!"

Nick + Robyn

Adelaide, SA

"I recently used Chris at Mortgages Plus as my mortgage broker for my first property purchase, and I can't recommend him highly enough. As a first-time buyer, the whole process felt overwhelming at first but Chris was knowledgeable, patient and genuinely invested in making sure I understood every step along the way. He answered all of my questions and I always felt like I was in good hands. Highly recommend him if you're looking for a mortgage broker."

Eleonora

Manly, NSW

"We couldn't have asked for a better mortgage broker than Chris. From securing our pre-approval to patiently explaining every option, he made a daunting process so much easier. As first home buyers, we had plenty of questions, but Chris never made us feel silly for asking. He took the time to explain everything clearly, and his patience and support gave us real confidence throughout the journey. He worked quickly, kept us updated every step of the way, and was always professional and reassuring. We felt like we were in great hands. We can't recommend Chris highly enough. Thank you for everything!"

Bridget + Matt

Newport, NSW

"We cannot recommend Chris Dodson highly enough, he was an absolute lifesaver throughout our home-buying journey. We originally started with another broker who unfortunately misled us, leaving us in a very stressed and uncertain position after we had already been encouraged to put in an offer that was accepted. In a panic, we searched for a new broker, and we are beyond grateful that Chris took us on. Chris stepped in and completely turned our experience around — taking our first call from his boat on a weekend without hesitation. His communication was exceptional, his knowledge gave us instant confidence, and he even monitored our rate after settlement and secured us a better deal without us having to ask. Absolute Lifesaver! "

Ashley + Rowena

Perth, WA

"Chris is incredible. Responsive and meticulous with detail, he took the time to understand my needs and goals and showed me what was possible with my finances. Ultimately, he made the process of buying our new home stress-free. Couldn’t have done it without him. I can’t recommend Chris highly enough!"

Catherine

Darlington, NSW

"Chris, thank you for your fantastic service from start to finish. The entire process took less than a week, and we received unconditional approval from the bank — which was amazing. You were always quick to respond, provided clear guidance throughout, and genuinely cared about achieving the best outcome for us. Of course, we understand that we also had to do our part with supplying all the paperwork promptly to make this happen. We truly appreciate your hard work and efficiency. You’re an outstanding professional and a true Kiwi at heart. "

Ian + Della

Melbourne, VIC

"Chris is an outstanding broker and easily the best we’ve worked with. He recently helped us refinance and went above and beyond to get everything sorted. Our situation was complex, as I’m a self-employed contractor operating through a company, which created a number of challenges along the way. Chris was incredibly persistent and hardworking, navigating each hurdle and ultimately achieving the best possible outcome for us. He liaised with all relevant parties to ensure the process moved smoothly and that our circumstances were properly understood. His communication was exceptional. We were kept informed at every stage, and everything was handled professionally and efficiently. Chris is friendly, approachable, and provides genuine advice that is always in his clients’ best interests. We would absolutely work with him again and highly recommend him to anyone looking for a reliable and dedicated broker. Thank you again, Chris."

Girlie + Ryan

Brisbane, QLD