Home Equity Loan Specialists for Property Investors.
Turn Your Equity Into the Deposit for Your Next Investment.
- Maximise your borrowing capacity on your investment home loan using specialist lenders that assess your rental income more favourably.
- Your PPOR equity becomes your deposit, structured as a standalone facility so your existing home loan stays completely untouched.
- First-time investors qualify more often than they think. If you own a home with equity, you already have the starting position most investors spend years building.
- Property two stays on the table because every loan structure is mapped against your next acquisition before you commit to this one.
- Book a free strategy session. No credit impact. You'll leave knowing your exact borrowing capacity and how to structure it so your portfolio keeps growing.
Find Out What You Can Borrow for Your Investment Property Loan
Free strategy session. No credit check.
Accredited to Compare 35+ Leading Lenders
Strategic Investment Home Loans for Investors Who Want to Scale
Unlock More Borrowing Capacity Than Your Bank Quoted
Your bank applies a 70% discount to your rental income when calculating what you can borrow, and most investors never question it. Specialist lenders we work with assess rental income at up to 90%, changing the entire serviceability calculation in your favour. That single difference can unlock $150,000-$200,000+ in additional borrowing capacity on a typical investment home mortgage.
Use Your Home Equity as Your Investment Deposit
If your home has grown in value, you may already have a deposit sitting in it with no cash savings required to get started. Your equity is structured as a standalone facility, completely separate from your existing home loan and independent from the investment loan. The result is two independent properties, two independent loans, with full flexibility to access equity in either without touching the other.
Structure This Loan So It Doesn't Block the Next One
Every declined application and poorly structured deal leaves a mark that compounds over time. Most investors only discover this when they go to buy property two and find their options have quietly narrowed. Every loan is structured with your next acquisition already mapped, keeping properties un-crossed and your credit file clean. You'll know before settlement exactly what property two looks like from a borrowing capacity perspective.
Access Lenders Your Bank Will Never Offer You
Standard banks can only assess your application against their own policies. Their rental income shading, IO terms, and portfolio rules are built for caution, not investor growth. The lender panel available through a specialist broker includes non-bank lenders with investor-specific policies unavailable at major banks, assessing your income more favourably and structuring IO terms to maximise your cashflow while you hold.
Start Investing Without Needing a Large Cash Deposit
Most first-time investors overestimate what they need to qualify, waiting months or years for cash they already have in another form. Whether you're using PPOR equity, a gifted deposit, or a combination, there are more entry pathways into investment property than a standard bank assessment reveals. A single strategy session is enough to know your actual entry position before a single application is submitted.
A Broker Whose Job Doesn't End at Settlement
Most brokers close your file once the loan settles. No rate review, no capacity reassessment, no forward planning for the next purchase. Annual portfolio reviews mean your rates stay competitive and your borrowing capacity is reassessed as your portfolio grows. By the time you're ready for property two, your numbers are already mapped and your next move is clear.
Securing Your Investment Property Loan Is This Simple
Step 01: See What You Can Borrow
Your free strategy session requires no paperwork and no commitment to proceed. Shawn maps your borrowing capacity based on your income, existing equity, and the rental income policies of lenders best suited to your profile. You leave knowing your real borrowing limit and which structure keeps property two on the table, before a single application is submitted.
Step 02: We Handle the Complexity
Every investment property loan application requires matching your income type and portfolio structure to the lender whose policies work in your favour, not against you. With access to specialist lenders assessing rental income at up to 90%, Shawn identifies the right lender before anything is submitted, protecting your credit file from unnecessary enquiries. You focus on finding the right property. We handle the lender research, paperwork, and application from start to settlement.
Step 03: Settled and Ready for What's Next
Your loan settles and you own an investment property structured to grow with your portfolio, not limit it. Shawn reviews your loans annually, checks for rate creep, and reassesses your borrowing capacity as your portfolio grows so property two is already mapped before you need it. You focus on building your portfolio. We keep your lending optimised and your next move clear.
What Our Investors Say About Us
Property buyers who came to us wanting to get the structure right, and left with a loan and a clear plan for what comes next.
DC
David Clarke
Verified Google Review
I have used Shawn now on my last two property purchases. Service was amazing and Shawn was always available to answer questions and help out with paperwork. Very highly recommended and would certainly use his services again.
JW
Jake Wrigley
Verified Google Review
Fantastic broker. Really helped us through our finances and made everything work efficiently and with no hassle on our end. This is the third time we have used Shawn's services. Highly recommend to anyone.
FS
Fraser Swan
Verified Google Review
Shawn has helped me out on several occasions now, a great help every time.
DT
David Tucker
Verified Google Review
Shawn is the consummate professional. Couldn't be happier with his service for our initial mortgage, and subsequent remortgage. Helpful, personable, professional. Happy to have found a broker for life!
BM
BM
Verified Google Review
Shawn at Village Home Loans has been an exceptional partner in securing my home loan as a self-employed applicant. His deep knowledge of the process, combined with his availability and willingness to explain every detail, made the entire experience smooth and stress-free. If you're searching for a broker who genuinely prioritises your needs and is committed to finding the best deal for you, Shawn is your go-to. I highly recommend his services to anyone in need of a dedicated and expert mortgage broker!
S
Sarah
Verified Google Review
We had a fantastic experience working with Shawn. He went above and beyond for us, showing he cares about his clients by being committed to getting the best results for us. Shawn clearly had our best interests in mind and was always quick to respond to any questions we had. We really appreciated the support he offered throughout the journey. Highly recommend!
BK
Bronty & Karly
Verified Google Review
We first met Shawn when he was helping one of our family get into their first house. We were pretty impressed with his knowledge and professionalism. Since then, Shawn has helped us make our own property upgrade dream become reality. Shawn is a genuine bloke, what you see is what you get — no surprises. Just a good honest family man, a professional in his field. Highly recommend!
RS
Rajiv Sharma
Verified Google Review
I had an excellent experience working with Shawn Baker from Village Home Loans. The entire process was smooth, transparent, and stress-free. Their team was professional, responsive, and always available to answer my questions. They offered competitive rates and explained every step clearly, which gave me confidence throughout the process. I truly appreciate their commitment to customer service and would highly recommend them to anyone looking for a reliable mortgage lender.
BG
Bec G
Verified Google Review
Shawn helped us when we needed to refinance our home loan to a new lender. He was so easy to work with and made the process effortless on our part. I would happily work with Shawn again when we look to purchase our next home.
We Structure Investment Property Loans for the Portfolio After This One
Most investment property mortgage brokers approach investment lending deal by deal, focused on getting the current application approved without mapping what it means for the next one. The result is loans that work today but quietly limit borrowing capacity or block future acquisitions. Shawn’s five years as a financial adviser before moving into broking means every investment loan is assessed as part of a longer wealth strategy. You get a structure built for where your portfolio is going, not just where it is today.
Whether you’re a PAYG employee using PPOR equity for your first investment home loan, a professional looking to expand an existing portfolio with an investment property mortgage, or self-employed wanting your income assessed correctly by a property investment mortgage broker who actually understands how lenders differ, there’s a pathway. Because brokers are paid by the lender, not you, the entire service is completely free.
Why Investors Choose Village Home Loans
We identify the right investment mortgage lender before anything is submitted
Every lender assesses rental income, portfolio structure, and IO terms differently. Matching your profile to the right lender first means no unnecessary credit enquiries on your file and no wasted time on applications that were never going to work.
Access to specialist lenders unavailable at major banks
The lender panel includes non-bank lenders who assess rental income at up to 90% and offer investor-specific IO structures. You get access to lending options your bank will never put in front of you.
We map your next acquisition before you buy this one
Before settlement, we model what your borrowing capacity looks like after this purchase and which structure keeps the next property achievable. You go into property one already knowing what property two looks like.
A financial planning background most brokers don't have
Shawn spent five years as a financial adviser before moving into mortgage broking. Every investment loan is assessed through the lens of your broader wealth plan, not just the transaction in front of us.
Free strategy session. No credit impact. No obligation.
Your initial session costs nothing and has zero impact on your credit score. You leave with your exact borrowing capacity, the structure best suited to your situation, and a clear picture of what your next purchase looks like.
Trusted by investors across Perth and beyond
Clients return to Shawn for their second, third, and fourth purchases because the structure works and the relationship doesn't end at settlement. Five stars from investors and homebuyers who came with complex situations and left with a clear path forward.
Frequently Asked Questions
Everything you need to know about getting approved as a self-employed borrower.
How much deposit do I need to buy an investment property?
Most investors need a minimum 10-20% deposit, but if you own a home with equity you may already have it without needing cash savings. Your PPOR equity can be structured as a standalone deposit facility, keeping your existing home loan separate and untouched. A free strategy session is enough to confirm exactly what you have available and whether you’re ready to move.
Can I use the rental income from my new investment property in my borrowing assessment?
Yes, and the lender you choose makes a significant difference to how much of it counts. Standard banks typically assess rental income at 70% of the actual rent, while specialist lenders on our panel assess at up to 90%, which can add $150,000-$200,000+ to your borrowing capacity on a typical purchase. We identify which lender assesses your rental income most favourably before anything is submitted.
Will applying for an investment loan affect my credit score?
Only a formal application leaves a mark on your credit file, and we don’t submit one until you’ve chosen to proceed. Your free strategy session, the lender research, and the serviceability modelling all happen before any application is lodged. You stay in full control of when your credit file is touched.
I already have a home loan. Does that affect how much I can borrow for an investment?
Your existing home loan is factored into your serviceability assessment, but it doesn’t automatically prevent you from qualifying for an investment loan. How your existing debt is presented to the lender, which lender you use, and how your rental income is assessed all affect the final number significantly. Many investors with existing mortgages qualify for more than they expect once the right lender and structure are identified.
How do I make sure this loan doesn't block my next investment property?
Structure is everything. Keeping properties un-crossed, choosing the right lender for your current income profile, and using IO terms strategically all affect what your borrowing capacity looks like after this purchase. Before settlement, we model what property two looks like from a borrowing capacity perspective so you know the answer before you need it.
Village Home Loans
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The Trustee for Green Running Man Family Trust is a credit representative (540758) of Connective Credit Services Pty Ltd ABN 51 143 651 496 (Australian Credit Licence 389328)
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