Smart Property Investment Loans in Australia

Build a strong portfolio with the right loan structure, clear targets, and tight risk control.

1. Set a clear target

   Define your purchase budget, yield goal, and growth plan for the next 12 to 36 months.

2. Know your borrowing power

   List income, debts, and living costs. Close unused credit cards. Improve surplus before you apply.

3. Pick the right loan type

   Use interest-only loans for cash flow or principal-and-interest loans to reduce debt faster — match the loan to the strategy.

4. Use the right features

   Offset accounts, redraw facilities, and flexible repayment terms can help optimise returns and reduce interest costs.

5. Work with a specialist broker

   Encharge Capital brokers understand investor needs, matching you with lenders that support property growth strategies.

With tailored advice, access to over 50 lenders, and streamlined approvals, Encharge Capital makes property investing smarter and more profitable.