Melbourne’s Leading Investment Property Mortgage Broker
Property investment is one of the most effective ways to grow your wealth and achieve greater financial stability. If you are targeting rental income or capital gains with your next property purchase but need funds to accomplish your plan, then apply for an investment property loan with our financial brokers in Melbourne.
With us, you will structure your loan correctly and save thousands of dollars during the course of your mortgage journey. With us, simple doesn’t mean settling for the first loan product you come across. We do the legwork for you so that you can sit back and take care of other aspects of your property purchase. Our investment property loan brokers compare multiple lenders, negotiate better terms, and help you save money wherever possible. From finding loan options that can minimise the financial burden and helping you leverage your equity to choosing refinancing when appropriate, expect our team to always go the extra mile and provide dedicated support.
At Original Wealth, we bring you flexible loan options that can support you in your real estate investment journey. Whether you are a first-time investment property buyer or a seasoned investor, with us, you will find the desired financial guidance, advice, and assistance to make wise investment decisions. Connect with us and secure the funds you need to kickstart your journey.
Award-Winning Expertise, Backed by Results
2024
Top 100 Brokers
2024-2025
Elite Broker
2023-2024
Highest Number of Loans Settled
2023-2024
Highest Dollar Volume
2024
MQG Diamond Club
2024
Top Brokerage MPA Australia
2023
MPA Top 100 Brokers in Australia
2021
MPA Top 100 Brokers in Australia
2019-2020
Franchise of the Year (VIC)
2019-2020
Managing Director's Rising Star Award
2023
Choice Platinum Achiever
2020-2021
Franchise of the Year (VIC/TAS)
2020-2021
National Mortgage Broker of the Year
2022
Choice Platinum Achiever
Why We’re the Right Choice
Wide Range of Lenders
With a trusted network of 40 bank and non-bank lenders, you access leading loan products, secure competitive rates, and favourable terms.
Comprehensive Loan Assistance
Starting from loan comparison and pre-approval to help you develop a portfolio strategy, our services extend way beyond essential mortgage support.
Industry experience and Expertise
With over 10 years of experience in the property market, we stay up to date with trends and emerging opportunities to ensure you proceed right in your investment journey.
Diverse Client Portfolio
We have helped a diverse clientele – self-employed individuals, high-income professionals, foreign investors and more build a strong portfolio and achieve their investment goals.
Melbourne’s Best Investment Property Loan Broker
When you apply for an investment property loan, lenders look at your finances through a different lens. They take into account your existing loans, your income, and how much rental income the property is likely to generate. Also, the type of property you choose influences how the application is assessed.
At Original Wealth, we work through these details with you early on. We look at your current financial position and then match it with lenders who are more comfortable with that setup. This helps avoid situations where an application stalls simply because it was placed with the wrong lender.
There are a few areas we pay close attention to as things move forward:
- Looking at how each lender treats rental income and leaning towards those who recognise a stronger portion of it
- Checking lender preferences for different property types, especially in higher-density areas
- Putting your full financial position forward clearly when more than one loan is involved
- Keeping communication steady between lenders and other parties so progress does not slow down midway
- Noticing early changes in lender policies and adjusting direction where needed
We stay involved throughout the process, not just at the start. That makes a difference when timelines tighten or when something needs quick attention.
With that in place, you can focus on the investment itself, while the loan continues to move forward without unnecessary friction.
Buying Your First Investment Property
Buying your first investment property often shifts the way you think about property altogether. The focus moves towards rental demand, ongoing costs, and whether the numbers will hold up over time. It can feel unfamiliar at first, especially if you are used to looking at property from a personal point of view.
At Original Wealth, we help you make sense of how lenders approach this type of purchase before you commit. We go through how your income is assessed, how rental income is factored in, and where lenders apply buffers that can influence your borrowing range.
Our investment property mortgage brokers guide you through the following:
- Explaining how lenders assess different types of income
- Showing how rental income is adjusted during assessment and how that affects borrowing capacity
- Walking through deposit expectations based on the lender and the type of property
- Looking at how repayments will sit alongside your current financial commitments
- Keeping each step of the process connected so approvals and timelines stay aligned
As you move closer to purchase, things tend to feel more settled. You have a clearer idea of what you are stepping into, and the decisions become easier to make with that clarity in place.
Reach out to our team for guidance tailored to your investment journey.
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Our Lenders
Cheney and Arabella were wonderful in assisting us and made the whole process very smooth. They were very professional and were great with answering any questions we had.
The best broker I’ve worked with! Highly recommend! They are so professional and effective and can match you with the lowest interest rate with lowest monthly repayment. Fantastic team!
Cheney and Ivy are one of the most professional brokers I have worked with. Their experience, service and expertise impress me every time.
I would really recommend discussing your financing with them, they always have great ideas to solve my clients’ needs.
Frequently Asked Questions
An investment property loan is a specific type of mortgage that offers the financial assistance you need to buy an investment property of your choice. A property that you plan to rent out or sell for profit comes under the purview of investment property. As compared to home loans, investment property loans involve higher interest rates and varying eligibility requirements.
Anyone can apply for an investment property loan as long as they meet the basic eligibility requirements –
- Your income and financial position should display your ability to repay the loan. The lender will evaluate your income, existing debts, credit history, etc., before approving the loan.
- The maximum investment loan you can get is 80% of the value of the property you are planning to buy. So, you must be able to contribute at least 20% as a deposit.
Connect with our investment mortgage brokers, and they will help you determine your eligibility and proceed in the right direction.
- Taking an investment loan today can help you expand your financial portfolio, generate passive income, and increase your long-term assets.
- With capital appreciation and rental yields, you will be sure to earn more than what you spend in the long term.
- Interest paid on an investment property loan is typically tax-deductible, helping you save some amount on your taxes.
Here are the standard documents you need to apply for an investment property loan –
- Proof of income (e.g., payslips, tax returns)
- Identification
- Details of existing debts and assets
- Rental income estimates (if applicable)
Our investment property loan brokers ensure you are on top of your paperwork and put forth a flawless loan application.
Yes, you can get pre-approval for an investment property loan, and our team at Original Wealth can help you with that. A pre-approval can help you determine your borrowing capacity and set down a budget for your investment journey. That way, you can narrow down your options and streamline your entire property selection process.
Yes, you can refinance your investment property loan with our investment property mortgage brokers in Melbourne. Whether you think your current interest rate is no longer competitive, you wish to consolidate your debt, or you are aiming for better loan terms, refinancing can be an excellent option for you. Connect with us with your refinancing needs and we will conduct a loan health check to determine whether refinancing is the right option for you and guide you in the right direction.
To determine whether an investment property loan is the right choice for you, consider three things –
- Long-term investment goals
- Your cash flow
- Ability to handle debt
As your trusted investment property loan broker, we help you assess your overall financial situation, goals and limitations and help you make an informed decision.
LMI is an insurance policy that protects the lender if you default on the loan. It is usually applicable for loans where the loan exceeds 80% of the property's value. It is an additional cost that you might incur during your mortgage journey. But our loan brokers can help you potentially avoid LMI by accessing applicable waivers, considering guarantor loans or using equity from another property. For more information, get in touch with us today.
Yes, you can claim depreciation on an investment property; it can help you reduce your taxable income. Depreciation applies to the wear and tear of the property and its fixtures and fittings. When you connect with our investment property mortgage brokers in Melbourne, they can help you prepare a depreciation schedule that will lead to potential tax savings.
Every investment property loan is unique, so the loan approval period will vary from loan to loan. On average, it can take anywhere between 2-4 weeks. As your investment property mortgage broker, we aim to get quick and hassle-free approvals. Once you decide on a loan product, we will fast-forward the entire process and ensure your loan gets approved within the minimum required timeframe.
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