Build your property portfolio.
From your first investment property to a multi-property portfolio — we structure loans for serviceability, tax efficiency and long-term scalability.
Wrong loan structure caps how many properties you can ever own. We split securities, manage cross-collateralisation risk, and choose lenders strategically so each new purchase doesn't lock you out of the next.
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A real broker calls you back within 5 minutes during business hours.
Why Insta Finance
Built around your file.
Multi-lender strategy
We spread loans across lenders to keep serviceability open as your portfolio grows.
Interest-only structuring
Maximise tax-deductible debt while preserving cash flow for the next purchase.
Equity release
Unlock useable equity from existing properties to fund deposits on the next one.
SMSF & trust lending
Bare trust, unit trust and SMSF property loans structured with the right specialist lenders.
How it works
A clear path forward.
Portfolio review
Map your current holdings, equity and serviceability.
Strategy session
Plan the next 1–3 purchases and the loans behind them.
Pre-approval
Lender selected for serviceability headroom, not just rate.
Settle & repeat
Loan funded; equity reassessed for the next acquisition.
Common questions
FAQs
How much deposit do I need for an investment property?+
Typically 10–20% plus stamp duty. With equity in your home you can often fund the entire deposit without using savings.
Should I get an interest-only investment loan?+
Often yes — it preserves cash flow and keeps deductible debt maximised. We model both options against your tax position so the decision is evidence-based.
What is cross-collateralisation and should I avoid it?+
It's when one lender uses multiple properties as security for multiple loans. It limits future borrowing flexibility and is usually best avoided — we structure to prevent it.
Can I borrow to buy property inside my SMSF?+
Yes, through a Limited Recourse Borrowing Arrangement. Only a handful of lenders offer SMSF loans — we know which ones, their pricing and their requirements.
How many investment properties can I own?+
There's no hard limit, but each lender has serviceability caps. With smart structuring we routinely help clients hold 5–10+ properties.
Get started
Engineer your next purchase.
Free portfolio strategy session. We'll review your current loans, model usable equity, and map a structure that supports your next 3 properties.
- 40+ lenders compared
- 99% approval rate
- Zero broker fees