How much deposit is required for a residential investment loan?

While standard lenders typically require a 20% deposit to avoid Lenders Mortgage Insurance (LMI), we can often secure residential investment loans up to 95% LVR. Securing a high-LVR loan with zero LMI is dependent on your industry; medical, legal, and accounting professionals, for example, can frequently access these waivers, allowing you to enter the market sooner while preserving cash reserves.

How do you assess income for self-employed applicants?

We look beyond the taxable income shown on your individual return. By analysing your business financials, we can add back non-cash expenses like depreciation and one-off costs. This demonstrates your true serviceability, allowing us to secure a residential investment mortgage that reflects your actual trading strength.

How should I structure the ownership of my investment properties?

The right structure depends entirely on your long-term investment strategy. Rather than applying a generic setup, we work closely with your advisory team to tailor your finance around your chosen holding entity. This ensures your portfolio is built on a foundation that optimises tax efficiency and protects your assets as you grow.

Can I release equity from my home to buy an investment property?

Yes. Unlocking equity in your primary residence is a highly effective way to build an investment portfolio. We structure strategic equity releases — often using a separate loan split to keep tax-deductible investment debt clearly separated from your home loan — allowing you to fund deposits without touching cash reserves.

Residential & Investment Finance Solutions

Book a Strategy Call

Unlock your true borrowing power

Standard lenders often struggle to interpret the tax structures used by business owners and ambitious professionals. We translate your retained earnings, bonuses, or trust income into genuine borrowing power, ensuring the bank recognises the true strength of your position.

If your goal is to upgrade your family estate or seek a residential investment loan, we can structure a facility that leverages your commercial reality to ensure your private assets grow alongside your business.

Strategic debt architecture for directors and investors

Line-art icon representing residential loans for company directors and self-employed professionals.

We translate retained earnings and trust income into borrowing power. Bypass standard algorithms to secure financing based on your true business profitability.

Director & Self-Employed

We structure standalone loans to avoid cross-collateralisation, protecting your family home and preserving your borrowing capacity.

Portfolio Architecture

Line-art icon representing equity release and cash-out refinancing.

Unlock dormant equity for renovations or deposits. We facilitate "cash out" refinancing that turns asset appreciation into liquid capital without the need to sell.

Equity Release & Cash Out

Line-art icon representing LMI waivers for medical and legal professionals.

Access industry-specific waivers for medical, legal, and accounting professionals to secure 95% LVR loans without LMI, preserving your cash reserves.

Professional Sector Waivers

Direct access to credit decision-makers

Standard banking algorithms frequently reject high-quality applications because complex business financials don't fit their rigid retail templates.

We bypass the branch network entirely, presenting your case directly to senior credit managers and private banking teams to explain the nuances of your business financials. Access to this preferential channel often turns a computer-generated decline into a manual approval.

Discuss Your Scenario

Queensland Capital Solutions managing director discussing a residential loan application with a client.

Defending your property’s true market value.

Property values in Brisbane, the Sunshine Coast, and the Gold Coast often outpace bank data. We understand the specific value drivers of coastal prestige and hinterland acreage that automated desktop valuations frequently miss.

We navigate valuation risk by strategically selecting lenders whose valuation policies and panel guidelines best reflect the strength of your asset.

Core Markets: Sunshine Coast • Brisbane • Gold Coast • Regional QLD

Case study

Securing a first-home approval for a newly qualified doctor

Challenge:

A first-year doctor wanted to purchase a home near their new hospital. Despite their strong earning potential, standard lenders were hesitant due to a short work history, mixed income streams — including overtime and boarding — and a strict 14-day finance clause.

Strategy:

We approached a direct lender that truly understands the medical sector. By carefully packaging their diverse income and properly structuring a parental guarantee, we presented a clear, low-risk application that gave the bank confidence to meet the tight deadline.

Outcome:

Finance was fully approved well within the critical 14-day window. By including family support alongside all eligible income streams, the client successfully settled on their first home, getting into the property market early in their career.

Residential & Investment Finance Common Questions

While standard lenders typically require a 20% deposit to avoid Lenders Mortgage Insurance (LMI), we can often secure residential investment loans up to 95% LVR. Securing a high-LVR loan with zero LMI is dependent on your industry; medical, legal, and accounting professionals, for example, can frequently access these waivers, allowing you to enter the market sooner while preserving cash reserves.
We look beyond the taxable income shown on your individual return. By analysing your business financials, we can add back non-cash expenses like depreciation and one-off costs. This demonstrates your true serviceability, allowing us to secure a residential investment mortgage that reflects your actual trading strength.
The right structure depends entirely on your long-term investment strategy. Rather than applying a generic setup, we work closely with your advisory team to tailor your finance around your chosen holding entity. This ensures your portfolio is built on a foundation that optimises tax efficiency and protects your assets as you grow.
Yes. Unlocking equity in your primary residence is a highly effective way to build an investment portfolio. We structure strategic equity releases — often using a separate loan split to keep tax-deductible investment debt clearly separated from your home loan — allowing you to fund deposits without touching cash reserves.