How we help property investors get the edge
Where some see risk, we see opportunity. Our job is to structure lending that’s not only approved — but works harder for you.
Solutions for self-employed or complex income
Rental yield, business profits, shareholder drawings — we help you present your income clearly across entities.
Investment-focused structures and advice
From interest-only loans to offset accounts and trust-based lending — we tailor the lending to support cashflow and minimise friction later.
Access equity for your next purchase
We help you unlock usable equity in your home or existing properties — and calculate safe borrowing levels to support growth.
Bank and non-bank options to maximise leverage
If your bank says you’ve hit the wall, we bring in funders who view things differently — and open doors for your next move.
Use our mortgage calculator to see what’s possible.
Get an estimate of your repayments in seconds — and turn rough numbers into a real plan with expert support.
FAQs about investment property lending
How much deposit do I need for an investment property?
For most bank lenders, it’s 30% — but some non-bank lenders allow less, especially for strong earners or low-risk properties. We’ll walk you through all your options, including using equity as your deposit.
Can I use the rent from the property to help me borrow more?
Yes — but banks and non-banks use different “rental shading” formulas to calculate what percentage of rent they count. We help maximise your assessed income and improve your borrowing power.
What if I’ve hit my borrowing limit with the bank?
You’re not alone — most investors do eventually. We work with non-bank and specialist lenders who take a more flexible approach to servicing, income, and portfolio lending.
We work with trusted bank and non-bank lenders
.webp){kind=logo}
.webp){kind=logo}
.png){kind=logo}
.webp){kind=logo}
Read, watch & listen to insights
First Home
Buyers Guide
Development
Finance Guide
Bridging Finance
Made Simple
Self Employed
Borrowing Guide
Investors
Memorandum
What our clients are saying
We needed funding within days to secure a development site. The banks said no—Luminate said yes. Funds landed within 48 hours and we didn’t miss the deal.
Mike T.
As a self-employed couple, we were getting knocked back left and right. Luminate understood our situation and structured a mortgage that worked. Game-changer.
Andrea & Tim D.
My bank gave me the runaround for months. Luminate had my loan approved in a week—even with a tricky credit history. Can’t thank them enough.
Lucy M.
Trent and Farea - you rocked it :). It was the easiest and the best first home mortgage advice/transaction we have ever had. Farea Khan went above and beyond.
Jashnil K.
We contacted them with the feeling was “give it a try, but no hope”. And now we are sitting on our couch in our living room in our new house and waiting for Christmas.
Marita H.
Total rock stars and know the financing game inside out - extreme professionalism, high level contacts, and a true understanding of the numbers.
Kesh M.
Ready to grow your portfolio — or just get started?
Book a no-pressure call with a Luminate adviser. We’ll help you run the numbers, explore smart lending options, and build a strategy that backs your investment goals.
Market & interest rate updates
More home loan offerings
Buying your first home
Luminate gets you the best loan terms, handles bank negotiations, and guides your wealth-building journey with expert advice.
Refinance your home loan
Refinance your home loan for better rates. Adapt to market changes, lower payments, and save big over time. Boost cash flow with Luminate’s expert guidance.
Build a new home
Building a home? Luminate secures construction loans, navigates lender challenges, and tailors terms to fit your budget and timeline.
Buying your second home
Upsize, downsize, or rightsize your home? Luminate finds the best loan options, negotiates with banks and lenders, and secures funds for your next move.
