Kiaara LoansINVESTMENT LOANS · MELBOURNE
You might already own your first investment deposit.
Most homeowners don't realise the equity sitting in their home can become the deposit on an investment property — often with no cash out of pocket. The hard part isn't finding the money. It's structuring the lending so your portfolio works for you, not the bank.
FREE EQUITY CHECK
How much could your equity unlock?
$
$
Usable equity is generally your home's value at 80% (the level most lenders will release to), minus what you still owe. Going above 80% is sometimes possible with Lenders Mortgage Insurance.
Your usable equity
$—
the deposit you may be able to put to work
Could help fund an investment around
$—
as a 20% deposit plus stamp duty and costs — indicative only
Get a free equity review
Estimate only — not a quote, an offer, or credit assistance. The indicative investment figure assumes a 20% deposit, stamp duty of about 5% of the purchase price, and around $5,000 in other buying costs; stamp duty varies by state and property value. Usable equity funds the deposit — you'll still need the income to service the new loan, and investor interest rates are typically higher than owner-occupier rates. Actual borrowing depends on your circumstances, lender criteria and a current valuation.
HOW IT WORKS
Two ways in — and we'll find yours.
01
Use your equity
Tap the equity in your home to cover the deposit and costs — often with no cash needed to get started.
02
Or a cash deposit
Prefer to keep your home untouched? A standard deposit works too — we'll compare both and show the difference.
03
Structured to grow
We set the loan up from day one so you can add the next property without getting tangled with one bank.
STRUCTURED FOR YOU, NOT THE BANK
The rate matters. How it's built matters more.
Anyone can quote you an investor rate. Setting the lending up so your portfolio stays flexible and keeps growing — that's the part that actually builds wealth.
We keep your properties un-crossed
Banks like to tie your properties together as one security — which locks you in, makes selling one messy, and limits how you draw equity later. We keep them on stand-alone security wherever we can, so you stay in control.
Interest-only, only when it's right
Interest-only can help cash flow and tax — but the assumption that it always boosts your borrowing power is wrong, and it can even work against you. We choose it (or don't) based on your goals, not a default.
Set up for the next one
The way property one is structured decides how easily you get to property two. We build with the whole portfolio in mind, so growth stays open instead of hitting a wall.
WORTH KNOWING
Property builds wealth. Strategy decides whether it builds yours.
Investor rates sit higher
Lenders price investment loans above owner-occupier ones — it's structural. We won't pretend otherwise; we just make sure you're on the sharpest investor rate you qualify for.
Tax shouldn't drive the decision
Negative gearing rules are changing, and land tax varies by state and mounts up across properties — so tax matters, but it shouldn't be the reason you buy. We'll help you make sense of what's shifting and work alongside your accountant, so a property stacks up on its own merits and your lending fits your tax strategy.
Only if the numbers work
Equity gets you the deposit; serviceability gets you the loan. If the numbers don't hold up, we'll tell you — better to know now than after settlement.
In Australia, 71% of investors never get past their first property. The difference is rarely luck — it's how the lending was structured from the start.
WHY KIAARA
Someone who's building with you, not just selling a loan.
We compare across 60+ lenders to find the one that fits your strategy — and we review your portfolio every year, because the right structure today isn't always the right one in three years.
Sixty-plus lenders
The whole market compared — including the ones good with investors.
Reviewed every year
We keep your structure working as your portfolio grows.
A selection of the 60+ lenders we work with
FAQs
Can I invest without a cash deposit?
Often, yes — if you have enough equity in your home. That equity can cover the deposit and buying costs on an investment property, meaning no cash out of pocket to get started. The calculator above gives you a rough idea of how much you could unlock.
How much deposit do I need for an investment property?
Less than you might think. Twenty percent avoids Lenders Mortgage Insurance, but depending on your situation, your goals and what you're willing to trade off, it can be far less — and if you've got equity in your home, sometimes no cash deposit at all. It's less a fixed number than a question of what's possible for you. Working that out is exactly what a free review is for.
Interest-only or principal-and-interest?
It depends on your goals. Interest-only lowers repayments and suits some tax and cash-flow strategies; principal-and-interest builds equity and can actually help you keep borrowing. It's a genuine per-person decision — not a default — and we'll walk you through which fits.
Will an investment loan affect my own home loan?
It doesn't have to. We structure the investment lending to stand on its own wherever possible, so your home stays protected and your options stay open. Avoiding cross-securing your properties is a big part of how we set things up.
Do you give tax or investment advice?
We arrange the lending, and we'll help you make sense of the landscape — but the formal tax calls (negative gearing, depreciation, ownership structure) are your accountant's, and we're happy to work alongside them so your loan and tax strategy line up.
YOUR FREE EQUITY REVIEW
Let's find out what you could do.
We'll work out your usable equity, model the numbers across 60+ lenders, and show you honestly whether an investment stacks up — and how to structure it if it does. No cost, no pressure.
Get a free equity review
or call 0451 713 231