Smarter Investment Loans for Wealth-Building Australians
- Get better mortgage advice
For Busy Professionals Ready to Build Serious Wealth
You’ve got the income and possibly some equity but between career demands and family commitments, who has time to research lending strategies and tax structures?
At YMB, we work with Australia’s time-poor professionals alongside their accountants and financial advisers to:
- Secure competitive investment loan rates across 40+ lenders
- Structure loans to support tax-efficient strategies and minimal risk
- Create clear pathways to build a property portfolio
- Align your investment lending with your broader wealth strategy
- Collaborate with your accountant or financial planner
Whether it’s your first investment property or you’re expanding your portfolio, we’ll help you understand how lending structure can support your investment goals.
A Long-Term Wealth Partner
Deep expertise across investment loans, SMSFs, trusts and tax considerations
A personalised lending strategy aligned to your goals — not the banks’
Fast, frictionless documentation and support from start to settlement
Collaboration with your adviser or tax accountant, or referral to one
Transparent explanations of investment loan rates, structures, and future-ready setups
Strategic Investment Loan Solutions
Every investment journey is different. We tailor our approach to match your wealth goals, risk tolerance, and timeline.
- First Investment Property – Leverage equity in your home, compare investment home loan rates, and set up the right structure from day one. Learn More
- Portfolio Expansion – Guidance on lending structures for expanding your portfolio, managing serviceability, and work with your adviser to help you access potential tax benefits. Explore Portfolio Strategies
- SMSF Investment Loans – Specialist advice for property investment through self-managed super, navigating complex compliance requirements. Discover SMSF
- Trust Structure Lending – Set up investment property loans through family trusts and other structures for long-term wealth protection. See Trust Options
A Strategic Wealth Partner
Working with experienced investment property lenders makes all the difference in building sustainable wealth.
- Strategy First: We focus on your end goals, not just today’s transaction
- Structure Expertise: Deep knowledge of investment loan options, trusts, and SMSF lending
- Collaboration: We work with your accountant, financial planner, and property advisers
- Long-Term Focus: Ongoing support as your portfolio and goals evolve
Smarter, Not Harder: Our 4-Step Lending Process
1. Discovery Session
We assess your goals, equity, and income
2. Loan Strategy Development
Compare investment loan options tailored to you
3. Tax-Smart Structuring
We collaborate with your team (or refer one)
4. Application to Settlement
You focus on results, we handle the process
"Your investment strategy is only as good as the lending structure supporting it. Let's get it right from the start."
Social Proof / Client Outcomes
“We thought we couldn’t buy yet — but we could.”
“They made it simple and stress-free.”
“I finally felt like someone was in my corner.
“They made it simple and stress-free.”
Investment Loan Questions? Let's Tackle Them
You can access your home equity through refinancing or a loan top-up, using it as a deposit for an investment property. For example, if your home is worth $1M with a $600K mortgage, you potentially have $200K in accessible equity (80% of value minus your current loan).
Offset accounts are generally more tax-effective for investment properties as they provide flexibility without potentially affecting the tax deductibility of your loan. Redraw facilities can sometimes create tax complications if funds are withdrawn for non-investment purposes.
Debt recycling involves converting non-deductible debt (like your home loan) into tax-deductible debt (investment loan) by using equity from your home to invest, then using investment returns to pay down your non-deductible debt faster. This strategy requires careful structuring for tax efficiency.
Yes, both structures are possible. Trust structures can provide asset protection and tax flexibility, while SMSF property investments have specific tax advantages but stricter regulations. Each requires specialised loan structures that we can help arrange.
Most lenders require at least 20% equity in your investment property to refinance without incurring LMI. However, some lenders may offer options with as little as 10-15% equity for high-income professionals, emergency services, accountants, solicitors and doctors (among others) with strong financial profiles.
The interest portion of your investment loan repayments is generally tax-deductible, as are property-related expenses. Depreciation deductions can also significantly reduce your taxable income. We work with tax professionals to ensure your loan structure maximises these benefits.
Build Your Financial Future With Clarity and Strategy
Whether you’re just getting started or fine-tuning your property portfolio, we’ll show you what’s possible with the right lending strategy behind you.
The information on this website is general in nature and does not constitute personal financial, legal, or tax advice. Please consult a licensed financial adviser, tax professional, or legal adviser before making any financial decisions.
YMB provides credit assistance and lending structuring services only. We do not provide personal financial advice or tax advice.