Compare 32+ lenders and loan structures. Maximize tax deductions, minimize personal tax, and boost cash flow with the right setup.
Most investors focus on rates. Smart investors focus on structure. Here's why:
Wrong structure: You can't claim some interest as a tax deduction.
Right structure: Every dollar of interest is fully deductible at your marginal tax rate.
Potential impact: $5K-$15K/year in tax savings
Wrong structure: High monthly repayments eat your rental income and require constant top-ups.
Right structure: Interest-only with offset = lower repayments, better cash flow, pay down when you want.
Monthly savings: $800-$2,500
Wrong structure: Locked into one product. Can't adapt to market changes or life events.
Right structure: Split loans let you hedge rates, access equity, and adjust as needed.
Value: Priceless when rates change
Wrong structure: Personal and investment debts mixed = ATO complications and legal risks.
Right structure: Separate facilities keep investment clean, compliant, and auditable.
Peace of mind: 100%
Each structure has pros and cons. We'll match you to the best one for your situation:
Pay only interest for 1-10 years. Principal stays the same. Lower repayments = better cash flow.
Pay down principal, but park your cash in offset to reduce interest. Best of both worlds.
Loan: $600K @ 6.5% = $39,000/year interest
Offset Balance: $100K in offset account
Interest Charged: Only on $500K = $32,500/year
💰 Annual Saving: $6,500 (while keeping $100K accessible!)
Split your loan into multiple parts (e.g., 50% fixed, 50% variable). Hedge your bets on interest rates.
Result: Protection from rate rises + flexibility to pay down debt
Revolving credit facility. Draw down equity as needed. Interest charged only on what you use.
Property Value: $800K
Existing Debt: $400K
Available Equity (80% LVR): $640K - $400K = $240K LOC limit
You Draw: $80K for next deposit
Interest Charged: Only on $80K (not full $240K limit)
Get this wrong and the ATO will disallow your interest deductions (costing you thousands)
The ATO doesn't care what security you use (your home, investment property, etc.).
They only care about PURPOSE: What did you use the borrowed money for?
The Problem: You make extra repayments on your investment loan, then redraw $20K to buy a car.
Tax Impact: That $20K is no longer tax-deductible debt. You lose ~$1,300/year in deductions.
The Fix: Use offset accounts instead of redraw. Offset doesn't change loan purpose.
The Problem: You have $50K spare cash. You pay down your investment loan instead of your home loan.
Tax Impact: You reduce tax-deductible debt (bad!) instead of non-deductible debt (good!).
The Fix: Pay down non-deductible debt first (PPOR). Keep investment debt as long as possible.
The Problem: You move into your investment property without adjusting the loan structure.
Tax Impact: Interest is no longer deductible once it becomes your main residence.
The Fix: Split the loan or restructure BEFORE moving in to preserve deductibility.
The Problem: Lender uses both your PPOR and investment as security for one big loan.
Tax Impact: Hard to separate debt for tax purposes. Limits future refinance options.
The Fix: Keep each property on separate loan facilities. Clean separation = flexibility.
The Problem: You can't prove to ATO what you used the borrowed funds for.
Tax Impact: ATO can disallow ALL interest deductions if you can't prove purpose.
The Fix: Keep clear paper trail: contracts, settlement statements, bank transfers.
We analyze your income, tax bracket, existing debts, investment goals, and risk tolerance.
We create a loan structure that maximizes tax benefits, protects assets, and gives you flexibility.
Our algorithm matches your structure to the best lenders for investment loans.
We handle the application and ensure everything is ATO-compliant and properly documented.
As your portfolio grows, we restructure and optimize for maximum tax efficiency.
Interest-only is generally better for investors because:
However, P&I makes sense if you want to pay down debt aggressively or the property is positively geared.
No. Tax deductibility depends on purpose, not security.
If you borrow against your investment property but use the money to buy a car, that interest is NOT deductible.
Only interest on funds used to generate assessable income (rent, dividends, business income) is deductible.
Offset: Separate account. Your cash stays separate from the loan. Safe for tax purposes.
Redraw: Extra repayments reduce the loan. Redrawing can contaminate loan purpose and affect deductibility.
For investors: Always use offset. It's safer and more flexible.
Most lenders offer 1-10 years interest-only, with 5 years being the most common initial term.
After the interest-only period ends, the loan reverts to principal & interest for the remaining term.
You can often refinance or extend interest-only with another lender when your term expires.
Variable is generally better for investors because:
Consider a split loan (50% fixed, 50% variable) if you want rate certainty + flexibility.
Debt recycling is the strategy of converting non-deductible debt (PPOR) into tax-deductible debt (investment).
Example:
Over time, you convert your entire PPOR loan into deductible investment debt.
Compare 32+ lenders. Maximize tax deductions. Minimize personal tax liability.
⚡ Most structures completed within 48 hours