Investment loans & lines of credit
What sets us apart
Investment lending is different to an owner occupied loan because structure matters. We take time to understand your goals, your cash flow, and how you want the loan to work before recommending a lender or facility.
You get clear explanations of the trade offs and a process that stays organised. We focus on lender fit, policy details, and steady communication so you can move forward with confidence.
Need a line of credit?
How we can help
Investors often need clarity on how structure affects repayments and flexibility. We help you compare options and understand how features such as offsets and repayment types may suit your approach.
We keep advice practical and explain the steps in plain English. From document preparation to approval and settlement, you will know what is happening and what comes next.
Our loan services
Explore our services and resources
First home buyers
Your first home should feel clear, not confusing. We explain borrowing capacity, deposits and pre approval before you make offers.
We keep paperwork organised and guide you through approval and settlement, step by step.
Refinancing a loan
Refinancing helps when your loan no longer suits your budget, goals, or lifestyle. We review rates, fees, and features carefully.
We compare options, explain costs clearly and manage paperwork so the switch stays simple.
Debt consolidation
Multiple repayments can strain your budget .
We assess whether eligible debts can be combined into one facility safely.
We check affordability and total cost, then explain trade offs in plain English clearly.
Debt recycling
Your home equity is a powerful tool for generating future income. We explain how to strategically pay down your home loan and redraw those funds for investments, making the interest tax-deductible.
We handle the technical loan restructuring and ensure your new setup aligns perfectly with Australian tax guidelines.
Outcome: A restructured loan that turns dead debt into working capital.
Property development finance
Securing funding for a new development can be a rigid and highly scrutinised process. We demystify the commercial lending landscape and explain exactly what risk-averse lenders are looking for today.
We set clear expectations up front, help you mitigate potential risks in your application and negotiate terms on your behalf.
Outcome: A viable pathway to approval with clearer milestones and commercial requirements.
SMSF loans
An SMSF loan can fund an investment property when strict compliance requirements are met and you want to leverage your superannuation savings today.
We confirm borrowing rules and coordinate the complex legal details with your advisory team, so everything stays aligned.
Outcome: Secure property investment with clear steps ahead.
Business & commercial loans
Business lending can support working capital, cash flow, equipment, or commercial property when growth plans require funding support right now.
We clarify purpose, prepare documents, and compare lenders so your application stays organised always.
Outcome: Funding aligned to business goals and timelines.
Our partners
Strong lender relationships help us compare options quickly and match loans to real borrower needs.
What our clients say about us
Real feedback from clients who valued clear advice, organised support and a smooth lending process.
Why choose us?
How we can help
Clear comparisons
We explain lender options in
plain English so you can choose confidently.
Strong lender
We understand lender policies and
help present your application clearly.
Organised process
We keep documents, timelines, and follow ups on track,
so your application keeps moving.
Ongoing support
We stay available for reviews when
your goals, income, or rates change.
Get in touch
Call us
Email us
Contact us
Level 34/100 Miller St, North Sydney NSW 2060, Australia
Request a proposal
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Australian Loan House
FAQs
Quick answers to common questions about investment lending and flexible facilities in Australia.
What is the difference between investor and owner occupied loans?
Lenders often use different pricing and policy rules for investment loans. We explain what changes and what it means for approval.
What is a line of credit?
A line of credit is a flexible facility that allows access to funds up to a limit, subject to lender terms. Suitability depends on your goals.
Should I choose interest only or principal and interest?
It depends on cash flow, goals, and lender policy. We explain the trade offs so you can choose clearly.
Can I use equity for an investment purchase?
Some borrowers may be able to access equity depending on lender assessment. We explain what is realistic for your position.
What documents do investors need?
Lenders usually request identification, income evidence, bank statements, and details of existing debts and properties. We provide a checklist.
How long does a loan approval take?
Timeframes vary by lender and complexity. We set expectations early and keep you updated through each stage.
How do you choose a suitable lender?
We compare policy, pricing, features, and assessment rules against your goals and circumstances, then explain options plainly.










