Keystone Home Loans

Investment Home Loan

Investment loan expertise to guide your investment property portfolio.

No Obligations

MFAA Full Member badge for Phillip Bui, Keystone Home Loans
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5.0 Stars Based on 48 user reviews

Modern kitchen in an investment property

Thinking about an investment property?

Many investors already have the deposit sitting in their home equity. You don't always need cash savings to get started.

Picking the right lender matters more than most buyers expect. Valuations can vary across the 50+ lenders we compare, and that one number drives your usable equity, LVR (loan-to-value ratio), rate and whether LMI (lenders mortgage insurance) applies.

Then there's serviceability. Each lender treats your income, existing debts and rental income differently. Your current bank often isn't the best fit, even when they say yes.

Plenty of investors hit a wall because the first loan wasn't set up with another purchase in mind. We structure for the portfolio, not just the purchase in front of you.

Let's look at the numbers first

Book a free, no-obligation consultation with Phillip. We'll work out your borrowing power, look at the equity you can access through a refinance if that's the path, and map a structure that keeps your options open for the next purchase.

Top 5 tips for taking out an investment property loan

Don't rely on your current bank. Different lenders value properties differently, affecting your usable equity and LVR.
Use interest-only strategically. It can improve cash flow on investment loans while you pay down your home loan faster.
Protect future borrowing. Avoid cross-collateralisation to keep each property and loan separate.
Don't chase 80% LVR at all costs. Paying LMI can sometimes help you enter the market sooner and benefit from earlier growth.
Valuations matter. They determine your equity, deposit, LVR, LMI and even your loan options.
Our Process

How we structure your investment loan

Five steps, no surprises. Here's what working with us actually looks like.

Free consultation

We start with a free, no-obligation consultation. You tell us what you're trying to achieve over the next five years. A second property, a portfolio, early retirement. Whatever it is. We work out your...

Compare 50+ lenders and valuations

We shortlist lenders based on your situation, then order property valuations where it matters. This is where the difference is made. The same property can value differently between lenders, and that c...

Recommend the structure

We walk you through our recommendation. Interest-only or P&I, offset account, split loans, target LVR, which lender and why. You ask questions. You sign off when you're comfortable.

Application and lender liaison

We handle the application, document chase and lender back-and-forth. You get updates at each stage, and we prepare your application carefully so it's as strong as possible when we lodge.

Buying your first home, self-employed, low on deposit, or weighing rentvesting instead? See first home buyer loans, self-employed home loans, buy investment property no deposit, or rentvesting is a good idea.

Testimonials

See what clients say about our service

Google

5.0 Stars

Based on 48 user reviews

Darren W.

Darren W.

“Refinanced through our mortgage broker and couldn’t be happier. Phillip secured us a great interest rate, helped consolidate our loans, and ended up saving us a heap of money each month. Everything was explained clearly and the process was smooth from start to finish. Highly recommend.”

Michael D.

Michael D.

“Phillip was amazing. Not only did he help us find the loan we desired, he was proactive with our conveyancer, the bank and all other parties involved to make sure we had our i's and t's, ticked and crossed. As a first home buyer this was invaluable. Thankyou Phillip for helping us with our first home.”

Julie H.

Julie H.

“Phillip was great to work with! Helped us with refinancing and obtaining the best rate in the market. He was very efficient and made the whole process very easy. Would recommend him to anyone looking for a mortgage broker.”

Work with Phillip, your investment loan broker in Sydney

You deal directly with Phillip Bui. Not a call centre, not a junior.

  • Founder and Principal Mortgage Broker
  • Diverse investment experience and a background in Human Resources
  • Accredited Mortgage Broker and Full Member of the MFAA
  • 50+ lenders compared
  • Rated 5.0 on Google from 48 reviews
  • Based in Arncliffe, NSW, helping clients in Sydney, across New South Wales and Australia-wide

No fee to you. We're paid by the lender at settlement.

Investor couple in the empty living room of a Sydney apartment

Frequently Asked, Clearly Answered

Usually enough to cover a 20% deposit plus buying costs (such as stamp duty) on the new property without pushing your home loan above 80% LVR. Less is possible if you're comfortable paying LMI on the new loan.

Yes. Many investors do exactly this. We can restructure your existing loan to release equity, which becomes the deposit and costs for the investment property. Two standalone loans, no cross-collateralisation.

Interest-only often suits investors with non-deductible home debt, because it directs cash flow to paying down the home loan first. P&I builds equity faster and rates are usually lower. We'll model both for your situation.

Lenders look at your income, existing debts, living expenses and around 70-80% of expected rental income. Each lender calculates this differently. If you're self-employed, the spread between lenders gets even wider.

Usually, yes, and interest-only often adds a little more. Phillip can compare current investment rates across lenders for you.

No. The lender pays us at settlement. There are rare exceptions for very complex situations, and we'd tell you upfront if that ever applied.

Thinking about your next investment property? Let's map out what's possible.

Work with Phillip, your Sydney mortgage broker

He’s here to guide you personally through every step, comparing 50+ lenders so your loan process is smooth and stress-free.