Investment Property Finance in Perth
Investment property finance is a different job to a standard home loan. A broker working in this space structures lending around rental income, equity in existing properties, and tax outcomes like negative gearing, rather than just getting you into one home to live in. That includes setting up interest-only periods, using equity from an owner-occupied property as a deposit, choosing between fixed and variable splits, and working out loan structures that keep investment and personal debt separated for tax purposes. In Perth, that also means knowing which lenders are comfortable with local growth suburbs, apartment or off-the-plan lending restrictions, and how banks treat rental income from different parts of the metro area.
There are 154 businesses offering this service across Perth, ranging from mortgage brokers who handle investment lending as part of a broader practice to specialists who work almost exclusively with property investors and portfolio builders. When comparing them, look for someone who asks about your long-term strategy (one property or a growing portfolio), can explain loan structuring in plain terms, and is upfront about which lenders they use and why.
Our scoring weighs how consistently a broker is reviewed, how they respond to client feedback, and how transparent they are about fees and processes. See the full ranked guide to Perth mortgage brokers to compare options, and check our methodology for how we build these scores.
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All investment property finance, ranked by score and relevance
154 businesses. The order weighs each business's overall score by how much of its reviewed work is investment property finance, so a lower-scored specialist can rank above a higher-scored generalist. Filter and sort below, or open the full map view.
When you submit an enquiry through our forms, it may be shared with partner providers who can do the work, and we may receive a referral fee. Our rankings and scores come from our published method only, separate from any referral fees.
Common questions about investment property finance
- How much does an investment property finance broker cost?
- In most cases, nothing directly. Brokers are paid a commission by the lender when a loan settles, not a fee from the borrower. Some charge a fee for complex structuring or portfolio work, so it's worth asking upfront whether that applies to your situation.
- How often do I need to see a broker once the loan is set up?
- Beyond the initial setup, most investors check in with their broker every year or two, or whenever they're considering refinancing, buying another property, or their fixed rate is ending. A good broker will also flag when a rate review or restructure could save you money without you having to ask.
- What should I expect during the process?
- Expect questions about your income, existing debts, equity position, and investment goals before any lender is chosen. The broker should present a few loan options with the pros and cons of each, explain the structure (offset, interest-only, fixed/variable split), and handle the paperwork and lender communication through to settlement.
- How do I judge whether a broker is any good?
- Look at how clearly they explain trade-offs rather than just pushing one lender, whether they ask about your broader financial picture instead of just the loan in front of them, and how they handle problems if a valuation comes in low or a lender pushes back. Review consistency over time is a reasonable signal too, which is part of what our scoring tracks.
Guides to choosing investment property finance
- Buying an investment property in Perth: how to get your finance ready
What to sort out before you start looking at investment properties in Perth, from equity and borrowing capacity to loan structure decisions.