Strategic Financing for Residential & Commercial

Investment Loans

Maximising Investment Financing

At Vivid Financial, we understand that securing the right investment loan is essential to building your financial future.

Whether you’re acquiring your first property, expanding your portfolio, or exploring commercial ventures, our highly knowledgeable team is dedicated to providing you with the financial tools necessary for long-term growth and sustainable returns. We offer flexible, strategic solutions for both residential and commercial investments, ensuring you have the right options to meet your goals.

Why Invest In property

Property is a proven long-term wealth-building strategy, offering a range of significant benefits. Our team ensures your financing is tailored to align with your investment goals for sustained success.

Consistent Capital Growth

Property tends to appreciate over time, offering investors long-term capital gains.

Steady Cash Flow

Rental income from investment properties provides a reliable, ongoing cash flow stream, helping offset mortgage repayments and operating expenses.

Tax Benefits

Investment properties offer tax deductions through depreciation, interest and other expenses, which can help reduce your tax liability.

Diversification

Property is a tangible asset that provides diversification in your investment portfolio, reducing overall risk.

Leveraging With Equity

Property allows for leveraging borrowed funds, enabling you to acquire more assets with less initial capital.

view our helpful calculators

We’ve put together some essential tools to assist you along the way!

Borrowing Power Calculator

Loan Repayment Calculator

Stamp Duty Calculator

client testimonials

“Adam is very professional, it was very pleasant dealing with him. He articulated the finance process very well and kept me updated with the progress. He also made sure my interest were best addressed commercially during selection of finance partner. Highly recommended and keen to work with him in near future.”

-Karan Aulakh

“Thanks to Adam at Vivid Financial who assisted me in refinancing my investment property. Adam provided clear and concise advice on what can be a daunting process, his experience and knowledge was invaluable to me. Thanks again.”

-Darryl Rich

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We integrate finance and property solutions, combining trusted broking with award-winning management, sales, and investment services.

End-to-end Property Services

Vivid offers a fully integrated service model, combining trusted finance broking with investment services, award-winning property management, sales and acquisition across both residential and commercial property sectors.

With over 2,000 properties under management and 2,800+ successful sales totalling $1.8 billion, we consistently achieve 12% higher sales value than typical local agencies, providing a seamless solution for investors.

Our highly knowledgeable team develops tailored strategies to optimise your portfolio’s value, identifying high-growth opportunities across Perth, and offering end-to-end services to maximise returns and minimise risk throughout your investment’s lifecycle.

Why Partner with Vivid

Partnering with Vivid means accessing tailored finance solutions and comprehensive property services, ensuring a seamless strategy to optimise your investment’s growth, value, and returns.

Highly Experienced

With over 40 years of experience in the field, our highly experienced team is dedicated to securing financing options tailored to meet diverse investment needs.

Proven Results

Experience our commitment to client satisfaction through consistent excellence in service with a 5-star average rating across our Google reviews.

Market Leaders

The Vivid group is one of WA’s largest independent agencies, offering 12 times the market exposure and achieving 12% higher sales values than typical local agencies.

End-To-End Services

Providing end-to-end services throughout the entire property lifecycle, offering tailored financial solutions alongside our comprehensive and award-winning suite of property management, acquisition, sales, and investment services.

frequently asked questions

What is the difference between an investment loan and a home loan?

An investment loan is specifically designed for purchasing income-generating properties and offers several advantages over a standard home loan.

One of the key benefits is the potential tax advantages, as the interest paid on an investment loan is generally tax-deductible if the property is rented out. Investment loans also consider rental income when assessing borrowing capacity, which may allow you to secure a higher loan amount compared to a home loan. Additionally, many investment loans offer interest-only repayment options, helping investors maximise cash flow while maintaining their financial flexibility.

These loans often come with features tailored to long-term property investment, such as equity access, allowing you to leverage existing property value to expand your portfolio. While investment loans typically have slightly higher interest rates, their structured flexibility, tax benefits, and tailored features make them a better fit for investors looking to grow their wealth through property.

How much can I borrow for an investment property?

Your borrowing capacity depends on factors like your income, existing debts, credit history, and the lender’s assessment of your financial position. Most lenders will finance up to 80% of the property’s value, but some may offer up to 95% with Lenders Mortgage Insurance (LMI).

Can I use the equity in my current home to buy an investment property?

Yes, if you have built equity in your existing property, you may be able to access it to fund your next investment, reducing the need for a cash deposit and helping you grow your portfolio faster. This is typically done through refinancing and restructuring your loan to safely utilise your equity, up to an 80% loan-to-value ratio (LVR), to avoid Lenders Mortgage Insurance. While leveraging equity can accelerate portfolio growth, it’s essential to manage debt strategically to maintain financial flexibility and minimise risk.

How do different loan structures impact portfolio growth?

Choosing the right loan structure is crucial for long-term portfolio growth. Cross-collateralisation (using multiple properties as security for a single loan) can simplify lending but may limit flexibility and increase risk if you need to sell individual properties. On the other hand, stand-alone loans offer greater control, enabling investors to refinance or restructure individual properties without affecting others. Using multiple lenders can also help reduce exposure to a single institution’s lending policies, something that Vivid’s finance brokers carefully consider for each investor client. A tailored loan structure not only enhances borrowing power but also strengthens risk management.

What factors should I consider when refinancing an investment loan?

Refinancing can help reduce costs, unlock equity, or improve loan features, but investors should consider break costs, lender policies, and tax implications. A lower interest rate doesn’t always mean a better deal—offset accounts, repayment flexibility, and lender serviceability criteria can impact overall returns. Additionally, refinancing frequently may affect long-term borrowing capacity due to changing lender policies. It’s essential to assess both short-term benefits and long-term portfolio strategy before refinancing.