Investment loans
Build your property portfolio, your way
Investment loans made clear. We help WA investors structure finance that fits their strategy, then compare the market so you know exactly where your money goes.
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What an investment loan is, and who it suits
An investment loan is finance for a property you plan to rent out or hold as an investment, rather than live in yourself. Investment property loans come in a few forms: interest-only loans, where you pay just the interest for a set period, and principal-and-interest loans, which cover both the interest and the loan balance. You can also choose between fixed-rate and variable-rate mortgages, which gives you flexibility in how you manage your finances.
Investment loans suit people ready to make their next move: buying a first or additional investment property, using equity they have already built, or rent-vesting. Rent-vesting means buying a property to rent out for income while you live wherever you want. It is a way to start building a portfolio without being tied to living in the property you own.
How Oui Finance helps investors
We are independent of the big banks and small ones, so there is nothing steering us but the loan that suits you. We think of Oui as a glass box: look inside, ask questions, and see where your money goes.
Tailored loan structuring
We give tailored advice on selecting the right investment loan to align with your long-term strategy and financial situation, including whether interest-only or principal-and-interest fits.
Rates compared for you
From securing a competitive interest rate to deciding between fixed or variable options, we compare the market so you are well informed and not paying more interest than you should be.
In your corner
We hold the pressure points so you always feel in control and up to date. This is your win, and we back your move rather than take it over.
How it works
Talk through your goals
Book in a complimentary call and tell us where you want to head. We review your full financial situation so any advice fits your real position.
Shape the right loan
We map out your options, interest-only or principal-and-interest, fixed or variable, and how existing equity could work, then compare lenders for you.
Make your move
Once you are comfortable, we help you apply and stay across every step, so you understand each decision along the way.
Explore other ways to make a move
Buying, refinancing or funding your next venture? We can help with more than investment loans.
Ready to grow your investment portfolio?
Book a complimentary call with one of our brokers and get clear on the right investment loan for you.
Reach out to Oui FinanceInvestment loan FAQs
What is an investment loan?
An investment loan is finance used to buy a property you intend to rent out or hold as an investment rather than live in. It can be structured as interest-only, where you pay just the interest for a set period, or principal-and-interest, which pays down both the interest and the loan balance.
Should I choose interest-only or principal-and-interest?
It depends on your strategy and cash flow. Interest-only can keep repayments lower during a set period, while principal-and-interest steadily reduces what you owe. We walk you through both so you understand the trade-offs before you decide.
What is rent-vesting?
Rent-vesting means buying a property to rent out for income while you continue to rent or live wherever suits you. It lets you start building a property portfolio without being tied to living in the property you own.
Can I use my existing property to buy an investment?
Often, yes. Many investors leverage equity in an existing property to help fund the purchase of another. Your full financial situation needs to be reviewed first, and we can help you work out what is realistic for your position.
Do I pay for Oui Finance's advice?
You can book a complimentary call with one of our brokers to talk through your goals. We are independent of the big banks, so our focus is finding a loan that suits you. Lender credit criteria, fees and charges apply to any loan.