Buy an investment property in Adelaide
Grow your property portfolio, build wealth, live life on your terms
Invest with greater confidence, backed by brokers who understand property investment firsthand.
Rise High’s award-winning mortgage brokers bring education and experience to the table, helping you structure your lending with the bigger picture in mind. We will support you now and over the life of your loan, reviewing your structure and features as your needs change.
Find the right investment loan
Learn how Rise High can help you secure the right property investment loan for your circumstances (and more!).
Release equity to invest in property
Find out how you can leverage equity in your existing property to build an investment portfolio.
Build your team of investment experts
Let us connect you with the right experts who can support your broader financial needs.
How Rise High provides value beyond the investment loan
To us, you are more than a number.
Here is how we help you invest in property and more.
We calculate your borrowing capacity, arrange pre-approval, and connect you with professionals such as conveyancers.
Our team covers a broader range of financial services, so we can continue to support you at every stage of your financial journey.
How Rise High provides value beyond the investment loan
To us, you are more than a number.
Here is how we help you invest in property and more.
We calculate your borrowing capacity, arrange pre-approval, and connect you with professionals such as conveyancers.
We deal with the lender on your behalf, keeping you informed at every step.
We help you review your loan documents, to ensure the features and structure suit you.
We conduct proactive loan reviews over the life of your loan, so you do not pay more than you need to.
Our team covers a broader range of financial services, so we can continue to support you at every stage of your financial journey.
Releasing equity to invest in property
Growth in the equity of your existing property can potentially provide a full 20% deposit for an investment property in Adelaide.
This can reduce the amount you need to borrow against the new property and may help you avoid lenders mortgage insurance (LMI).
It also means you can invest without relying as heavily on your cash savings, giving you more flexibility for purchase costs, a financial buffer or other priorities.
Building your team of property investment experts
At Rise High, we have in-house experts across a broad range of financial services, so you can build a team that covers all your bases.
Connecting with an experienced accountant can help you understand how an investment property may affect your broader tax position, what expenses may be deductible, how rental income needs to be treated and what records you should keep along the way.
Getting in touch with a financial planner can help you situate an investment property within your broader wealth-building strategy, with the guidance on strategy, structure, and risk you need to work toward your financial goals.
Common questions about investment property loans in Adelaide
Choosing the right loan structure for your investment property can affect how flexible and manageable your lending remains over time.
Loan structure refers to how your loans are set up, including which properties secure which debts, whether loans are split, and how equity is accessed. This matters for avoiding cross-collateralisation, where more than one property is used as security for the same lending arrangement, which can reduce your flexibility later.
At Rise High we prioritise getting the structure right from the outset, with a setup that suits your circumstances, investment plans and broader financial position.
The right structure depends on your circumstances, existing debts, and plans. Keeping investment lending clearly separated can also make things easier if you later refinance, sell or purchase another property.
While this can sometimes simplify the initial lending arrangement, it reduces your flexibility because changes to one property may affect the broader loan structure.
Keeping home and investment lending separate can provide more clarity and flexibility, particularly if your circumstances change later. Separate loan accounts can make it easier to identify the purpose of each debt and manage future refinancing, equity releases or property sales.
The best arrangement depends on your circumstances, so structure should be considered before simply adding investment debt to an existing home loan.
Interest-only repayments mean you pay interest without reducing the original loan balance during the interest-only period. Principal and interest repayments gradually reduce the debt.
Interest-only loans can give you lower repayments initially, but repayments generally increase when the interest-only period ends and total interest costs may be higher. The appropriate structure depends on your cash flow, goals and financial position.
The right loan features can make your investment loan easier to manage day to day and as your circumstances change.
Loan features include options such as offset accounts, redraw facilities, fixed or variable rates, interest-only repayments and additional repayment flexibility.
At Rise High, we consider which features are genuinely useful for you, rather than adding complexity for its own sake, so your loan suits how you plan to manage the property and your finances.
Useful features can include an offset account, redraw, additional repayments, fixed or variable rates, split loans and different repayment options.
Not every feature will be useful for every investor, and some come with additional fees or a different interest rate. What matters is whether each one supports how you intend to manage your lending and finances over time.
An offset account is a transaction account linked to an eligible loan. Money held in the account reduces the loan balance used to calculate interest while remaining accessible to you.
This can provide flexibility for investors holding savings or rental income, although offset availability, fees and conditions differ between lenders. Rise High can help you compare the potential benefit with the overall cost of the loan.
Money in an offset account remains separate from your loan, while redraw generally allows you to access additional repayments you have already made into the loan.
Both can reduce interest, but they work differently and may have different implications for an investment property. Access conditions also vary between lenders, so it is important to understand how each feature works before choosing between them.
A fixed-rate loan locks in an interest rate for an agreed period, giving more certainty around repayments.
A variable-rate loan can move as interest rates change and may offer greater flexibility through features such as offset accounts or additional repayments.
Some investors choose a split loan combining both. The right option depends on your priorities, cash flow and comfort with changing repayments.
With a principal and interest loan, each repayment reduces the amount you borrowed as well as covering interest. Over time, your loan balance falls and, all else being equal, so does the interest charged.
For investors, this needs to be weighed against cash flow. Principal and interest repayments are generally higher than interest-only repayments because you are actively paying down the debt.
The right structure depends on your income, investment strategy, other debts and longer-term plans. It is worth looking beyond the initial repayment and considering how the loan needs to work over several years.
Loan costs are another important part of choosing an investment property loan, the lowest advertised rate does not always mean the lowest overall cost.
Loan costs can include the interest rate, establishment and ongoing fees, valuation costs, discharge fees and, in some circumstances, LMI.
At Rise High, we look at the broader cost of the loan alongside its structure and features, so the option you choose suits your circumstances rather than focusing on one number in isolation.
Investment property loan interest rates can differ from owner-occupier rates and can vary depending on the lender, LVR, repayment type and product selected. Interest-only and principal-and-interest options may also attract different rates.
Rather than comparing the headline rate alone, your mortgage broker can help you weigh it up alongside fees, features and structure.
LMI protects the lender if a loan cannot be repaid and the sale of the property leaves a shortfall. It may apply when borrowing above a lender’s specified loan-to-value ratio, commonly when the deposit is below 20%, although lender requirements differ. Costs can vary considerably depending on the loan amount, deposit and lender.
Not necessarily. A lower advertised rate may come with fees, fewer useful features or a structure that does not suit how you plan to manage the property in the long term.
Comparison rates can help illustrate some loan costs but may not capture every feature or expense relevant to your circumstances. Looking at interest, fees, features and structure together gives you a more useful basis for comparison.
Property markets move in cycles, but consistently picking the perfect time to buy is difficult. For most investors, the more useful question is whether the property and finance make sense for their circumstances.
That means considering your deposit, borrowing capacity, cash buffer, expected holding period and whether repayments remain manageable if costs change.
Waiting can give you more time to save or improve your financial position. It can also mean prices or rents change while you wait. Rather than relying on a market prediction, make the decision around what you can comfortably sustain over the longer term.
Starting young can give you a longer investment timeframe, but buying early should not come at the expense of financial resilience.
Before looking at properties, understand how much you can comfortably borrow, what deposit and purchasing costs you will need, and how much cash you want left after settlement. Allow for expenses such as rates, insurance, maintenance, property management and periods without rental income.
Loan features matter too. An offset account, redraw facility, ability to make additional repayments and the way the loan is structured can affect your flexibility later, particularly if your plans change.
A useful starting point is your own financial position rather than the latest property headline.
You may be ready when you have an appropriate deposit and cash buffer, stable enough income to manage the debt, a clear understanding of the property’s ongoing costs and a reason for buying that extends beyond short-term price movements.
Then look closely at the property itself: price, rental demand, likely expenses, location and how it fits your investment strategy. Pre-approval can also help clarify your borrowing position before you start making offers, without committing you to buy.
A tax depreciation schedule sets out eligible deductions for the decline in value of certain assets and qualifying capital works in an income-producing property.
The ATO says a quantity surveyor can prepare a report when a rental property is purchased, although using one is not mandatory. Capital works deductions are generally claimed over a number of years, and restrictions can apply to depreciation on certain second-hand assets.
Whether a schedule is worthwhile depends on the property’s age, construction and assets. Speak with your accountant or tax adviser about the deductions that may apply to your circumstances.
Explore some of our Tools and Calculators
Borrowing Capacity Calculator
Loan Repayment Calculator
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Our award-winning brokers are always here to support you in achieving your financial goals. With a fee-free service, complimentary loan reviews that save you money, and regular updates and communications, you can always be confident to have a lifelong financial partner that will keep your best interests at heart!