Investor Home Loans

Get an investor home loan that matches your needs from a variety of bank and digital lenders.

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4.8/5 from 80+ Australians

We’ve built wealth for 14,500+ individuals and organisations since 2009. 

We can help you do the same.
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We help you create wealth through property investment.

Experienced Brokers

Our highly experienced brokers combine experience with strategic lending structures for optimal results.

Strategic Approach

We take a strategic approach to brokerage – how we can we find a loan that sets your investment up for success?

Superior Outcomes

With a 96% loan approval rate, each loan we broker is chosen with one purpose in mind: to help you create the best possible financial future.

Recognised as one of Australia’s leading brokerages.
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We help you create wealth through property investment.

Industry Experience

Our specialised brokers have an average of 15 years’ experience in the banking and financial sectors.

Rapid-response Support

Your loan matters, which is why our average client response time is just 38 minutes.

Results-oriented Approach

We’re here to finance your future – and that means brokering loans that enable long-term wealth creation.

Investors who borrow with ALIC have an average 96% loan approval rate.
Financing that puts your future first.

Since 2009, we’ve been helping Australians get loans that build their wealth.

Meet the people who lead us, learn about our achievements, and find out why more than 14,500 Australians have trusted us with their futures.

We help you create wealth through property investment.

Our diverse lending panel includes traditional banks, digital financiers, and investment-focused lenders.

Our Home Loan Process

With a transparent lending process that keeps you informed, we make taking out the right investment loan easy.


Our first meeting is about getting to know you, both as a person and as an investor. What are your investment goals? What timelines? What’s your borrowing capacity?

Once we’ve got a good understanding of where you are and where you want to go, we start looking at strategies to help you get there.

This stage typically involves discussions around financing options, loan structures, and mechanisms for achieving your investment goals.

When you’ve decided on a path forward, we’ll work with our diverse panel of lenders to help find the ideal loan for your situation.

We’ll also refer you to our network of trusted experts, including buyer’s advocates and insurance professionals.

We process the financing option that you’ve chosen.  This is a multi-stage process that involves multiple approvals (approval in principle, conditional approval, and formal approval).

If your loan is processed successfully, your lender will coordinate with you and your settlement agent to purchase your new property and register a mortgage against that property.

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Why leading property investors choose ALIC.

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4.8/5 from 80+ Australians

How much can I borrow for my investment property?

Getting started with property investment.

“Just 8.8% of Australians own an investment property.”

Mortgages on owner-occupied homes take decades to pay off, and the average Australian doesn’t earn enough to outright buy a second investment property.

But most people don’t realise that, with the right strategy and loan structures, investing in property is more than possible – it’s easily achievable.

And that’s why ALIC exists.  We want to help more Australians build their ideal financial futures, so we focus on two things:

  • Educating our clients about mechanisms for buying property and building wealth
  • And helping them move forward by connecting them with the right solutions

Since 2009, we’ve helped 14,500+ individuals and companies take the next step on their financial journeys.

Because property investing shouldn’t be something that only 8.8% of Australians get to benefit from.

Everyone deserves the chance to build the future they want.

Damian Brander
Managing Director

Investor Home Loan FAQs

Most frequent questions and answers

Loan-to-value ratio is the value of your property loan compared to the value of the property itself (as assessed by your lender).  It’s expressed as a percentage and is often used during loan applications.  The lower your LVR, the more likely you are to get financing.

For example, if your lender assessed an investment property as being worth $800,000, and you had a deposit of $150,000, you’d need to borrow $650,000 to purchase the property.

In this case, you could calculate your LVR by dividing $650,000 by $800,000, then multiplying the result (0.8125) by 100, which gives you 81.25%.

Generally, an LVR below 80% is desirable. If your LVR is over 80%, lenders view your risk as being higher, and you may be required to take out lenders mortgage insurance, and face higher interest rates and less favourable loan conditions.

A negatively geared asset has expenses (including interest expenses) that are greater than the income it produces.  Negative gearing allows you to deduct the loss produced by the asset from other forms of income, which can help reduce your taxable income.

For example, if you had a mortgage on an investment property that costs you $600 a week to manage and maintain, but only produces $500 a week in income, that property would be negatively geared by $5,200 per year.  You could then deduct $5,200 from your taxable income.

Negative gearing is generally most effective if you anticipate capital gains on your property when you sell.  High appreciation (an increase in the asset’s value) can make the losses incurred through negative gearing worth it. 

Yes, you can use the equity in an existing property (such as your residence) as a deposit on a second property, and use your existing property as security for the loan on your new property.  This makes purchasing an investment property without cash relatively simple, especially if you’ve already accrued a reasonable amount of equity in your current property.

The easiest way to access the equity in your current property is through refinancing

Lenders mortgage insurance (LMI) is insurance taken out by your lender to cover them if you are unable to pay back your loan.  LMI is insurance for the lender, not you, but you’ll normally be charged a one-off LMI fee if your lender requires that LMI be taken out.

LMI is generally only required if there is a higher-than-usual risk of default.  Typically, loans with an LVR above 80% will require LMI. 

While refinancing an existing home loan to buy an investment property is a valid investment strategy, it isn’t always the right decision. Before refinancing, you should seek personalised financial advice from your mortgage broker. If your mortgage broker advises that refinancing is a suitable approach for you, you’ll generally need at least 20% equity in your current home to use it as a deposit on a new property (unless you want to pay LMI). Other considerations include:
  • Refinancing comes with its own costs. Make sure the potential benefits outweigh any expenses.
  • Make sure you can actually afford to pay back two property loans. You need to calculate the costs associated with maintaining and managing an investment property, whether it’s negatively or positively geared, and whether you can get tenants.
  • Unlocking equity is important. If possible, try to invest in properties that are likely to appreciate (go up in price) over time, as this will help you unlock more equity.

Always talk to your broker or another qualified financial professional before making any decisions.
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