Investing in property across Melbourne's South East
Whether you're buying your first investment or growing a portfolio, the right loan structure makes a real difference to your cash flow. As your local Berwick mortgage broker, we compare 20+ lenders, structure your finance around your goals, and explain the trade-offs in plain English. At no cost to you.
Start with the numbers
Before your next purchase, it helps to know your borrowing power, the upfront costs and how the loan would sit. These free calculators are a good place to start, and we're here when you want exact figures.
How much can I borrow?
Get an indicative borrowing capacity from your income, expenses and existing commitments — the starting point for your next purchase.
Open calculatorStamp duty & fees
Estimate Victorian stamp duty and the upfront costs on an investment purchase (no first-home concession applies).
Open calculatorRepayments (interest-only or P&I)
Model the repayment and total interest, and compare interest-only against principal & interest.
Open calculatorOffset vs extra repayments
See how an offset account or extra repayments change your interest — useful when structuring an investment loan.
Open calculatorHow investors structure their finance
A few of the things worth getting right when you finance an investment property — we'll walk through what fits your plan.
Interest-only vs principal & interest
Many investors use interest-only repayments to keep cash flow free and maximise tax-deductible interest, but it costs more over the long run and isn't right for everyone. We'll explain the trade-offs and what lenders allow.
Using your equity to invest
Equity built up in your home or an existing property can often fund the deposit on your next one — usually without selling. We'll show you what's realistically available.
Loan structure & offset
How your loans are structured — offset accounts, splits, and keeping deductible debt separate — can make a real difference. We set the finance up cleanly; your accountant advises on the tax side.
Rental income & serviceability
Lenders count a portion of the expected rent toward your borrowing power, and assess investment loans differently to owner-occupier. We'll model how a new property affects what you can borrow.
A quick note: we're mortgage brokers, not accountants or financial advisers. For tax and investment-strategy advice — negative gearing, depreciation, capital gains — talk to your accountant or financial adviser. Our job is getting your finance structured and competitive. This is general information, not financial advice.
How it works
From numbers to your next property
Three steps — and we do the heavy lifting in between.
- 1
Know your numbers
We work out your borrowing power, usable equity and the upfront costs, so you know exactly what your next move could look like.
- 2
Structure & pre-approval
We compare 20+ lenders and structure the loan around your strategy and cash flow — interest-only or P&I, offset, splits — then get you pre-approved.
- 3
Buy & grow
We handle the finance through to settlement, and keep reviewing it as your portfolio grows so it stays competitive.
Our lender panel
Accredited with 20+ of Australia's leading lenders
We're not tied to any one bank — we compare your options across the market to find the right loan at a competitive rate.
Property investor questions
Property investors across Berwick & the South East
We're a local Berwick mortgage broker helping investors right across Melbourne's South East — from Pakenham and Officer to Clyde, Cranbourne and Narre Warren. See all the areas we serve.
Reviews
Don't just take our word for it
Very professional, reliable and honest. Always willing to take the extra step to ensure a satisfactory result is achieved.
Dilshani and Impact Home Loans made the experience of applying for refinancing as smooth as possible. As I am self employed, getting a loan can prove to be more difficult than an employee loan, but Dilshani was there with us every step of the way. Highly recommend Dilshani and her team.
We have no hesitation in recommending Dilshani to family and friends. Her service and communication consistently go above and beyond anything we have experienced elsewhere. She has helped us with both purchasing and refinancing, and her ability to secure the best possible outcomes while making the entire process easy and seamless is second to none. We truly appreciate her professionalism, expertise, and dedication, and would highly recommend her to anyone looking for a mortgage broker.
I would like to thank Dilshani and her team for providing the best option to suit my circumstances and assisting me throughout the process to achieve a positive outcome. Excellent service and highly recommended.
We are very pleased and grateful for the smooth transaction with Impact Home Loans, especially with the assistance of Dilshani and Jennifer. Thank you for your professionalism, guidance, and support throughout the process.
Dilshani has been looking after our family from when we bought our land through to refinancing for better rates. She has excellent customer service, works extremely fast and the process is always smooth. I highly recommend Impact Home Loans and Dilshani as a broker.
excellent service
Dilshani from Impact Home Loans has been our greatest asset in our journey to acquiring our dream property. From helping us reach unconditional approval within a strict timeline, to also helping us navigate the current state of the housing market to ensure we make the right moves, Dilshani has provided a service that goes above and beyond. Her approach that was tailored specifically for us ensured we got the best possible loan/rates and most importantly, helped us acquire our dream home. We can't thank Impact Home Loans enough and highly recommend Dilshanis services to all those in search of a home.
I’ve worked with Dilshani for many years and she has always gone above and beyond to help me. Her dedication, knowledge, and support have been invaluable. I have nothing but praise for her and highly recommend her services.
We had an excellent experience with Dilshani during the process of buying our Land and Home. She made a process of stress free and straight forward. We felt very supported throughout the entire process and would recommend Dilshani to anyone who is looking for a mortgage broker. Thanks again Dilshani for all of your support!
Ready to plan your next move?
Tell us where you're up to — first investment or growing a portfolio — and we'll help you structure the finance. No cost, no obligation.