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Property Investment
Lending

Your next investment property starts with the right loan structure.

Whether you’re buying your first investment property or adding to a portfolio you’ve been quietly building for years, the loan you choose – and the way it’s structured – matters more than most people realise. Get it right from the start and you set yourself up for what comes next. That’s where we come in.

Who We Help

First time investor or seasoned portfolio builder – we’ve got you covered.

Some of our clients come to us with a single investment property in mind and no idea where to start. Others have three properties and are ready for a fourth but want to make sure they’re structured correctly before they move. We work with both – and everyone in between.
Whatever stage you’re at, we take the time to understand your situation, your goals, and your timeline. Then we go to work finding the right loan, from the right lender, structured in the right way for where you want to end up – not just where you are right now.

Why structure matters

Loan structure matters more than most investors realise.

It’s easy to focus on the interest rate and assume the rest will sort itself out. But the way your investment loan is structured can have a significant impact on your cashflow, your tax position, and – critically – your ability to borrow again when you’re ready for the next property. Here are some of the things we’ll work through with you:

Interest only vs principal and interest

Interest only repayments keep your outgoings lower in the short term and can be tax effective for investors, but they’re not right for every situation. We’ll help you understand the trade-offs.
How lenders treat rental income – not every lender assesses rental income the same way, and the difference can meaningfully affect how much you’re able to borrow. We know which lenders are more favourable for investors and why.

Cross-collateralisation

Linking multiple properties as security for a single loan can seem straightforward but can limit your flexibility down the track. We’ll help you keep properties appropriately separate so one decision doesn’t box you into a corner on the next.

Using equity safely

If you’ve built up equity in your home or an existing investment property, it could be used as a deposit for your next purchase. We’ll calculate your usable equity properly and explain exactly how it affects your borrowing capacity before recommending anything.

Future borrowing capacity

Every property decision you make affects the next one. We look at the full picture, not just the loan in front of us, so you’re not inadvertently closing doors you didn’t know were there.

Download our Property Investing guide here. We cover why people choose to invest in property, is investing in property the right choice for you and why using a mortgage broker is the smart choice.

Services

Personal.

First Home Buyer

Buying your first home doesn’t need to be daunting. We’ll guide you through the entire process, so that you can collect the keys with confidence.

Property Investment Lending

Finance the expansion of your property investment portfolio with the right loan and advice. It’s easier than you think.

Home Renovations Lending

Funding a home renovation can be daunting. Let us help you secure a loan that will help you fund the renovation of your dream home.

Construction Loans

Construction loans can help you transform your home, literally. Talk to one of our brokers and we’ll find a loan that’s right for you.

Vehicle Loans

In need of a vehicle upgrade? We’ll compare thousands of different loans so that you can drive off sooner than you think.

Refinance

Things change, so do loans. If you want to get more out of your home loan through refinancing, contact us today.

Booking Form

Book a personal consultation.

Buying your first investment property in Adelaide?

First time investors

It can feel like a lot to get across – and honestly, it is. But with the right guidance, it’s also very achievable. Here’s what we’ll make sure you understand before you sign anything:

How much you can borrow

Your borrowing capacity as an investor is calculated differently to an owner-occupier loan. Rental income, existing debts, and living expenses all factor in. We’ll give you a clear number to work with before you start looking.

Deposit requirements

What you’ll need upfront, what counts as genuine savings, and whether using equity from an existing property is an option for you.

Stamp duty and upfront costs in SA

The full picture of what you’ll need to have ready on settlement day, with no surprises.

Lenders Mortgage Insurance

When it applies, how much it costs, and whether it makes sense in your situation or whether it’s worth waiting until your deposit is larger.

Cashflow and rental yield

What to expect in terms of rental income, outgoings, and what the numbers actually look like week to week.

How this purchase affects your next one

Because if you’re buying your first investment property, there’s a good chance you’re already thinking about the second.

Our Mission

Working
with you.

Our experienced team of finance brokers have a wealth of knowledge to identify and implement the ideal financial solution for you. We prioritise working with you to achieve your business and personal financial goals for today and the future.

Meet the team
oracle
Based locally, national reach

Based in Adelaide. Investing everywhere.

We’ve been working with property investors from our Adelaide base since 2005 – but the properties our clients invest in aren’t always local. Whether you’re buying in Adelaide, interstate, or both, we can help you find the right loan and structure it correctly regardless of where the property is.

What doesn’t change is the personal, hands-on approach. You’re dealing with a small, experienced local team who know you by name – not a call centre. We take the time to understand your broader investment strategy and make sure every decision we help you make fits into the bigger picture, whether that’s one property or ten, here or across the country.

Why work with Oracle?

We’re an independent broker, which means we’re not tied to any one lender. We search across a wide panel of lenders – major banks and specialist lenders alike – to find the right investment loan for your situation. Not the right loan for our bottom line. Yours.

We’ve been doing this since 2005. We know which lenders suit which investors, how to structure an application to give it the best chance, and how to negotiate on your behalf when it matters. We’ll present you with a clear comparison of your best options and talk you through each one so you can make a confident, informed decision.

And we don’t disappear after settlement. A lot of our investment clients come back to us for their second property, their third, and beyond. Building a property portfolio is a long game – and we’re here for all of it.

The process

It starts with a conversation about where you’re at and where you want to get to. From there, we assess your borrowing capacity, look at your existing equity if relevant, and identify the lenders and loan structures that best suit your investment strategy.

We prepare and manage the application, liaise with the lender, and keep you informed throughout. When the loan settles, we’ll check in to make sure everything is tracking as expected – and we’ll be here when you’re ready to talk about the next one.

Testimonials

What our
clients say.

We worked with Angelo from Oracle for the purchases of our businesses and investment properties. The level of personalized care, attention to detail, and professionalism demonstrated by Angelo and his team surpassed our expectations. As owners of small businesses, we appreciated the honesty, transparency, and especially the warm compassion throughout the whole mortgage process. We highly recommend Angelo and his team to all our professional colleagues, and thank him immensely for all his help so far.

Le Anh

From the time I first met with Jaidan who developed a plan for me and answered all my questions, who was there for me when I thought I was stuck and answered all my calls, either driving in his car on the way to an important meeting or after hours with a crying baby in his arms - thank you so much Jaidan - you are a gun! And Isabelle who cheerfully and effortlessly handled all my queries, handled the paper work and helped me RE concerns on the late contract and helped with the FHLDS paper work. Thank you so much!

Richard

I highly recommend Jaidan Ianni from Oracle. He worked very hard on my behalf to make my life long dream come true. Thanks to Jaidan my home is being built as I write. Jaidan diligently explained each process to me every step of the way. He was always available to speak to , and on the rare occasion he wasn't available he got back to me promptly. I really enjoyed working with Jaidan due to his friendly and caring nature. And I look forward to working with Jaidan in the future .

Sonia

Jaidan's integrity is what stands out the most. He is a listener, he asks the right questions and offers appropriate advice. His support and guidance through processing our financial needs, from beginning to end is the highest professional quality anyone could expect. Jaidan is well mannered, approachable, knowledgeable and willing to support our financial needs and I couldn't recommend his services more highly. I feel safe in the knowledge I am in good hands.

Jay

Jaidan was very professional from first communication right until the end. Jaidan always went over and above to ensure I was being looked after and knew what was going on. Jaidan is very knowledgeable and is able to cater to any circumstance. Being my first loan, I thought this experience would be very daunting and was unsure about the whole process prior to speaking with Jaidan. Jaidan made the whole experience a breeze, I would highly recommend Jaidan for any finance services.

Brodie

FAQs

What’s the difference between an investment loan and a home loan?

Investment loans are assessed differently to owner-occupier loans. Lenders factor in rental income, existing debts, and your overall financial position in a different way. Interest rates on investment loans are also typically slightly higher than owner-occupier rates, though this varies by lender. We’ll make sure you understand exactly what to expect before you apply.

Should I go interest only or principal and interest on an investment loan?

It depends on your cashflow, tax situation, and investment strategy. Interest only keeps your repayments lower in the short term and can have tax advantages for investors, but principal and interest builds equity faster. There’s no universal right answer – we’ll work through what makes sense for your specific situation.

How much deposit do I need for an investment property?

Generally you’ll need at least 10-20% of the purchase price, though some lenders will require more. If you have equity in an existing property, that can often be used in place of a cash deposit. We’ll work out exactly what you need upfront based on your situation.

What is cross-collateralisation and should I avoid it?

Cross-collateralisation is when multiple properties are used as security for a single loan. It can make things seem simpler but it reduces your flexibility – if you want to sell one property or refinance, the lender has a say over all of them. In most cases we’d recommend keeping properties separate where possible, and we’ll structure things accordingly from the start.

Can I use the equity in my home to buy an investment property?

Often yes. If your home has increased in value since you bought it, you may have usable equity that can act as a deposit for an investment purchase. We’ll calculate your usable equity properly and make sure you understand how accessing it affects your overall borrowing position.

How does rental income affect my borrowing capacity?

Lenders include a portion of your expected rental income when assessing what you can borrow – but not all of them do it the same way. Some lenders are considerably more generous than others in how they treat rental income, which can make a meaningful difference to your borrowing capacity. This is one of the key reasons why comparing lenders matters for investors specifically.

Will buying an investment property affect my ability to borrow in the future?

Yes – it becomes part of your overall debt position. But a well-structured investment loan, with the right lender, can actually support your future borrowing capacity rather than restrict it. This is exactly why we look at the long game from day one, not just the deal in front of us.

Ready to talk property investment?

Whether you’re just starting to think about it or ready to move, a conversation with our team costs nothing and could make a significant difference to how your investment is structured from day one.

Let’s grab a coffee. 📞 08 8151 0400 ✉️ hello@oraclelend.com.au

Calculators

Property Investment Lending
Calculators.

Borrowing Power Calculator

Estimate how much you could borrow for an investment property based on your income, expenses and current commitments.

Loan Repayment Calculator

Calculate your estimated repayments and see what an investment loan could cost you each month.

Other Calculators

More tools to help you weigh up an investment purchase, from stamp duty to total buying costs.

Stamp Duty Calculator
Property Buying Cost Calculator