NZ
AU
“Biju from Indus Mortgages made my home-buying experience smooth and stress-free. He explained everything clearly, kept me updated at every step, and went above and beyond to secure the best deal.”
Investment property loans across Queensland and Australia
Biju has been building a residential property portfolio in Australia since 2003. When he advises you on investment lending, he's speaking from experience, not a textbook.
Investment Lending
Property investment strategy starts with the right structure.
Investor lending is fundamentally different from owner-occupier lending. Lenders tend to assess investors more conservatively, income assessment works differently, and the structure of your loan can have significant implications for how you manage cash flow, tax, and portfolio growth.
We work with property investors across Australia, from those buying their first rental to experienced investors expanding a multi-property portfolio. Biju's accounting background means we also understand the financial picture beyond just the mortgage.
We'll help you structure your lending correctly from the start, because getting it wrong early on can limit your ability to grow.
Before you release equity from a property you already own, read our article on when refinancing your mortgage actually makes sense. The guide to getting pre-approved for a mortgage is also worth a look, since lenders assess investors on the same documents plus rental income. Investors buying through super should start with SMSF lending, and anyone building rather than buying with construction loans.
Discuss Your Investment Strategy
What We Help With
Investor lending done properly
LVR and Deposit
Most investors aim for a 20% deposit to avoid Lenders Mortgage Insurance, though you can often borrow with as little as a 10% deposit (with LMI applied). Existing equity can also be used in place of a cash deposit. We help you find the right structure and lender.
Interest-Only Periods
Many investors use interest-only lending in the early years to maximise cash flow. We identify which lenders offer this on investment properties and for how long.
Rental Income Assessment
Different lenders treat rental income differently in their serviceability calculations. We find the lenders who will recognise your income most favourably.
Structuring Across Properties
How your loans are structured across multiple properties matters for risk management and flexibility. We help you avoid cross-collateralisation traps early.
Debt-to-Income Ratios
RBA DTI limits affect how much investor borrowing is available. We model your position and find the right lender for your DTI profile.
Tax and CGT Implications
We work alongside your accountant to ensure loan structure aligns with your tax strategy, particularly important for capital gains and negative gearing considerations.
How We Work
Strategy first, lending second
01
Understand your strategy
We discuss your investment goals: cash flow focus, capital growth, hold period, and how many properties you're aiming for.
02
Assess your current position
We look at your existing equity, income, existing debt, and borrowing capacity across investor-friendly lenders.
03
Structure the lending
We recommend the right structure (entity, LVR, loan type, and lender) to maximise your capacity to grow.
04
Ongoing support
As your portfolio grows, we continue to review and restructure your lending to maintain maximum flexibility.
What to bring to your consultation
- Details of all existing properties (address, value, mortgage balance)
- Current mortgage statements and rates
- Rental income statements for each investment property
- Recent payslips or income evidence
- Details of target investment property (if identified)
- Your accountant's details (if you have one)
5.0 80+ Google reviews
What our clients are saying.
Real reviews from real South-East Queensland families we've helped through their mortgage journey.
“Thanks to Biju for assisting us to buy our new house. When speaking with him it’s always like talking with a friend. Answers promptly to the calls, though he is busy at times. Highly recommended.”
“Excellent service. Biju guided us through every step and helped us secure the best option for our home loan. Thanks for the great support.”
“Biju is a very approachable adviser. He did his part very well right from the start. Regular follow-up from him helped us a lot. All the best to Biju and the Indus Mortgages team.”
“We had a truly wonderful experience with Indus Mortgages as we pursued our dream home. Their friendly approach in discussing the banking process, coupled with their genuine advice, instilled great confidence in our decision.”
“Thank you Indus Mortgages for advising me and helping to land my first home. So responsive and patient throughout my journey. Highly recommend Biju for advice.”
“We are thankful to Biju for assisting us to buy our first home. The service provided was excellent. Biju is always approachable, knowledgeable and proactive.”
“I had a great experience with Indus Mortgages. Really helpful for the refinancing of my home loan. Highly recommended.”
“Biju from Indus Mortgages made my home-buying experience smooth and stress-free. He explained everything clearly, kept me updated at every step, and went above and beyond to secure the best deal.”
“Thanks to Biju for assisting us to buy our new house. When speaking with him it’s always like talking with a friend. Answers promptly to the calls, though he is busy at times. Highly recommended.”
“Excellent service. Biju guided us through every step and helped us secure the best option for our home loan. Thanks for the great support.”
“Biju is a very approachable adviser. He did his part very well right from the start. Regular follow-up from him helped us a lot. All the best to Biju and the Indus Mortgages team.”
“We had a truly wonderful experience with Indus Mortgages as we pursued our dream home. Their friendly approach in discussing the banking process, coupled with their genuine advice, instilled great confidence in our decision.”
“Thank you Indus Mortgages for advising me and helping to land my first home. So responsive and patient throughout my journey. Highly recommend Biju for advice.”
“We are thankful to Biju for assisting us to buy our first home. The service provided was excellent. Biju is always approachable, knowledgeable and proactive.”
“I had a great experience with Indus Mortgages. Really helpful for the refinancing of my home loan. Highly recommended.”
Ready to grow your portfolio?
Talk to Biju about your property investment strategy. His background in property investment and accounting makes this a very different conversation to what you'll get at a bank.