Investment Property Loans Melbourne

September 8, 2025
Wellman Finance

Property investment is one of the most popular ways Australians build long-term wealth. But getting the right finance structure is just as important as choosing the right property. With so many loan types, tax rules and lender policies, expert guidance can make a big difference.

At Wellman Finance, we specialise in helping Melbourne investors secure investment property loans that support both immediate affordability and long-term financial growth.

Why an investment property loan is different

Investment property loans aren’t the same as standard home loans. Lenders often have stricter requirements and the loan you choose can impact your tax position, rental income and future borrowing power.

With our expertise, we help you:

Understand loan options like interest-only or principal & interest

Compare fixed vs variable rates to suit your strategy

Structure your loan for tax efficiency

Plan ahead for multiple property purchases

Types of investment Loans we arrange

At Wellman Finance, we tailor solutions to match your investment goals:

Interest-only loans:

Maximise cash flow by keeping repayments lower in the short term

Principal & interest loans:

Pay down your loan while growing equity

Fixed rate investment loans:

Lock in certainty with fixed repayments

Variable rate loans:

Flexible options that allow extra repayments

Equity release:

Use existing home equity to fund a new purchase

Trust lending solutions:

Explore whether a trust structure suits your investment and asset protection strategy

Why work with Wellman Finance?

Local Melbourne mortgage broker experts with years of property finance experience

Access to a wide panel of banks and specialist lenders

Independent, personalised advice tailored to your investment strategy

Support from loan application through to settlement and beyond

We don’t just help you secure a loan, we help you create a roadmap for long-term property investment success.

Tips for Melbourne property investors

Know your borrowing power

before making an offer

Get pre-approval

to move quickly in a competitive market

Consider tax benefits

like negative gearing and depreciation

Think long-term

choose a loan that supports future investments

Work with experts

to avoid costly mistakes

Get expert investment loan advice today

Whether you’re buying your first investment property or growing your portfolio, Wellman Finance is here to guide you every step of the way.

📞 Contact us today for a free consultation or visit wellmanfinance.com.au. to learn more.

Wellman Finance – Helping Melbourne investors build wealth through smart property finance.

Broker insights

Independent Mortgage Broker Melbourne

Choosing an independent mortgage broker in Melbourne means you get advice that’s focused entirely on your goals, not the interests of a bank or lender. At Wellman Finance, we take pride in providing unbiased guidance, helping clients find the right home loan without pressure.

September 17, 2025

Equity Release Mortgage

Equity Release Mortgage Melbourne

Your home isn’t just a place to live, it’s also a powerful financial asset. Over time, as you pay down your loan and property values rise, you build up equity in your home. An equity release mortgage allows you to access that wealth and use it for important goals without selling your property.

September 15, 2025

Construction Loans

Construction Loans Melbourne

Building your dream home or completing a major renovation is an exciting step. But financing construction is different from a standard mortgage. You’ll need a loan that releases funds in stages, matches your builder’s payment schedule and suits your budget.

September 15, 2025

Home Loan

Refinance Home Loan Melbourne

Your mortgage is one of your biggest financial commitments, but that doesn’t mean you have to stick with the same loan forever. With interest rates, lender policies and life circumstances constantly changing, refinancing could save you thousands of dollars over the life of your loan.

September 12, 2025

Home Loan

First Home Buyer Loans Melbourne

Buying your first home is exciting, but it can also feel overwhelming. Between saving for a deposit, understanding government grants and comparing loan options, there’s a lot to take in. That’s why working with an experienced first home buyer loan broker in Melbourne makes the journey easier.

September 12, 2025

Mortgage

Mortgage Advice Melbourne

Buying a home or refinancing your property is one of the biggest financial decisions you’ll ever make. Getting the right advice can save you thousands of dollars and ensure your loan suits your long-term goals.

September 10, 2025