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Investment property loans Adelaide

Build wealth
through property.

Lendology structures investment loans for long-term cash flow and growth - matching the right lender, rate and loan type to your investment strategy.

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5.0 from 115 Google reviews No cost to you Respond within 1 business day
Last reviewed: June 2026
Home›Home Loans›Investment property loans Adelaide
Investment loan structure

The right structure matters as much as the rate

An investment loan structured incorrectly can cost more in tax and reduce your flexibility for future purchases. Lendology considers your income, tax position, cash flow goals and existing portfolio before recommending a loan structure - not just a rate.

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Interest only assessment - IO repayments are common for investment loans - they maximise tax-deductible interest while keeping cash flow available. Lendology assesses whether IO makes sense for your position.
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Rental income assessment - Lenders shade rental income differently when calculating serviceability - often 70% to 80% of actual or expected rent. Lendology matches your income type to the right lender.
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Equity and cross-collateralisation - We assess whether using equity from your owner-occupied home is appropriate and structure lending to avoid unnecessary cross-collateralisation where possible.
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Future purchase capacity - We structure your current investment loan with your next purchase in mind - so the wrong structure today doesn't lock you out of future opportunities.
How it works

The Lendology process

1
Investment strategy discussion
We understand your goal - cash flow, equity growth or a combination - and how this property fits into your broader portfolio.
2
Serviceability and cash flow assessment
We calculate your borrowing capacity across different lenders, factoring in rental income assessment methods that vary significantly between lenders.
3
Loan structure recommendation
We recommend the right repayment type (P&I or interest only), loan features and lender for your tax and cash flow position.
4
Application and settlement
We manage the application, rental income verification, valuation and settlement - liaising with your property manager and conveyancer throughout.
Calculator

Estimate your investment property cash flow

A simplified estimate only - does not include tax, depreciation, management or maintenance costs. Lendology calculates your full position in a no-obligation consultation.

Property details
$650,000
$550/wk
6.50%
20%
Estimated results
4.4%
Gross yield
$3,520/mo
Monthly interest
$2,383/mo
Monthly rent
-$1,137
Monthly gap (pre-tax)
This does not account for tax deductions, depreciation, property management, insurance or maintenance. Lendology models your full cash flow position before you commit.
Get a proper cash flow analysis
Google reviews

115 five-star Google reviews

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2026 Budget update

Negative gearing and CGT reforms from 1 July 2027

The May 2026 Federal Budget announced significant changes to negative gearing and capital gains tax for investment property. These changes affect how Lendology structures investment loans and which property types may be more advantageous.

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Negative gearing restricted on established properties - From 1 July 2027, losses on established investment properties purchased after Budget night (12 May 2026) can no longer offset wages or salary. Losses can still offset rental income. New builds are not affected.
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CGT discount changing - The 50% CGT discount is being replaced with an inflation-based discount and a minimum 30% tax on capital gains from 1 July 2027. This affects the after-tax position when selling.
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Existing holdings grandfathered - If you already own investment property, the current rules continue to apply. These changes only affect new purchases of established properties.
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New builds incentivised - Negative gearing on new builds is unaffected by the reforms. Lendology can assess whether a new build strategy works for your investment goals.
Lendology structures investment loans with these reforms in mind. We recommend discussing the tax implications with your accountant. Book a chat to review your strategy
Common questions

FAQs

Interest only or principal and interest for an investment property?
This depends on your tax position, cash flow goals and how long you plan to hold the property. Interest only keeps repayments lower and maximises your tax-deductible interest expense, but does not reduce the loan balance. Principal and interest builds equity over time. Lendology discusses your specific situation - there is no universal answer.
How do lenders assess rental income?
Lenders typically apply a shading factor to rental income when calculating serviceability - often 70% to 80% of actual or expected rent. Some lenders are more favourable for investors with multiple properties or certain income types. Lendology identifies the most favourable lender for your situation.
Can I use equity from my home to buy an investment property?
Yes - if you have sufficient equity in your owner-occupied property, you can use it as a deposit for an investment purchase. Lendology assesses whether this makes sense for your situation and structures the lending to keep your home and investment debt appropriately separated.
Can I get an investment loan if I am self-employed?
Yes. Self-employed borrowers can access investment loans, but lender selection and documentation requirements differ from PAYG applicants. Lendology specialises in self-employed lending and identifies the lenders most likely to assess your income favourably.