Build Your Property Portfolio
Growing a property portfolio requires strategic lending advice. At Dahiya Mortgage & Finance, we help investors across Melbourne's south-east structure investment loans with rates from 5.79% p.a. variable, LVR up to 90% (95% with LMI), and interest-only options to maximise cash flow, rental yields, and long-term wealth through negative gearing.
Key Benefits
Our Investment Loans Process
Investment lending is more complex than a standard home loan. We consider rental yield, negative gearing, equity leverage, and your broader investment strategy to recommend the optimal loan structure. Interest-only periods can significantly improve cash flow while your equity grows.
Whether you're purchasing your first investment property or adding to an existing portfolio, we structure each loan to protect your assets and maximise your borrowing capacity for future purchases — helping Melbourne investors grow from single rentals to thriving multi-property portfolios.
Equity Assessment
We calculate your usable equity to determine your investment borrowing power and next purchase potential.
Cash Flow Analysis
Detailed analysis of rental income versus loan repayments to ensure positive or manageable cash flow.
Tax Structure
We work with your accountant to ensure loan structure leverages negative gearing and capital gains discounts.
Portfolio Strategy
Long-term planning to grow your portfolio sustainably — from first rental to a multi-property empire.
Investment Loans Across Melbourne
Frequently Asked Questions
Yes — if you have sufficient equity, you can use it as security to fund the deposit and costs of an investment property without touching your savings.
Interest-only can improve cash flow and offers tax advantages through negative gearing. We'll assess your situation to determine the best repayment strategy.
This depends on your income, existing debts, and available equity. We've helped clients build portfolios of 5+ properties through careful cross-collateralisation and structuring.
Ready to grow your property portfolio? Book a free investment strategy session.
Speak with Sunil Dahiya and the team. No obligations, just honest advice tailored to your situation.