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Investment property finance
Apt Wealth Finance, powered by Acceptance Finance
Structure your investment loans to build lasting wealth
Done well, property can help you build real wealth over time. But the outcome depends heavily on how your loans are set up. We help you structure investment finance correctly from the start, so the foundations of your portfolio are on solid ground.
The way you structure your loans shapes the whole portfolio
As an investor, how you set up your loans can have a major impact on the success of your portfolio. As lending has tightened, finding creative, well-structured finance strategies matters more than ever.
Our brokers work with your accountant and other advisers to structure your loans so they protect your interests and suit your investment goals. The aim is to get the greatest tax-effective benefit, meaning the maximum benefit allowed under current tax rules.
How we set up your investment finance
From first conversation to long after settlement, here is how your broker works with you.
1
Connect with us
Book an appointment by phone, video or in person. We’ll gather what we need to understand your situation.
2
Review structure and capacity
We assess your current loan structure and your borrowing capacity across lenders, each with different rules on assessment rates and negative gearing in certain circumstances.
3
Recommend and apply
You get a clear proposal with lenders, rates and fees. Once you decide, we manage the application, valuation and loan offer documents.
4
Settle and stay in touch
We guide you through settlement and stay available for your next purchase, because a portfolio is built over time, not in one deal.
Choosing the right investment loan
The right loan type depends on your structure and strategy. These are the options investors reach for most:
Interest-only loans
Keep repayments and outgoings lower in the short term by paying just the interest, which is often tax-deductible. Popular where rental income needs to cover finance costs, or where you’re paying down non-deductible debt first.
Variable-rate loans
Flexibility to make extra repayments and redraw, with interest generally tax deductible. A good fit if you want to maximise your property’s profitability.
Fixed-rate loans
Know your finance costs in advance for the fixed period. Useful when you’re investing to a tight budget and want certainty.
Split fixed and variable
The best of both. Limit rate rises on one portion while keeping the flexibility to make and redraw extra repayments on the other, handy for renovations and maintenance.
Women, retirement and long-term security
A practical guide to building the retirement you want, written for the way women actually move through their working lives and beyond.
- How to understand and strengthen your super position at any age
- Catch-up strategies after career breaks or part-time work
- Smart, tax-effective ways to draw income in retirement
- Planning for aged care, including keeping the family home
- The most common retirement mistakes, and how to avoid them
Apt Wealth Partners · Whitepaper
Women, retirement and long-term security
Meet the brokers behind your loan
Our finance specialists bring a large panel of lenders, deep knowledge of lender policy and a best interests duty to every conversation. Whatever you’re financing, you’ll find someone ready to listen first and help you plan with confidence
Aimee Telford
Aimee Telford
Personal Mortgage Adviser
Aimee Telford is a Personal Mortgage Adviser at Apt Wealth Partners, with a diverse background in the building and novated lease industry.
Melbourne
Albert Kavcic
Albert Kavcic
Finance Broker
Albert Kavcic is a Finance Broker at Acceptance Finance, working with families across Keilor and the surrounding Melbourne suburbs to secure home loans and grow investment portfolios.
Keilor/Keilor East, Melbourne
John Empey
John Empey
Finance Broker
John Empey is a Finance Broker at Acceptance Finance, working from his own office in Warrawee to help clients across Sydney's Upper North Shore with home loans, investment loans and refinancing.
Warrawee, Sydney
Matt Mannaert
Matt Mannaert
Finance Broker
Matt Mannaert is a Finance Broker at Acceptance Finance and one of the country's top-performing mortgage brokers, known for his work with property investors.
Balwyn, Melbourne
Matthew Baker
Matthew Baker
Senior Mortgage Adviser
Matt has over 11 years of experience in banking and finance including both personal and business banking.
Geelong
Matthew Papuga
Matthew Papuga
Finance Broker
Matthew Papuga is a Finance Broker at Acceptance Finance, splitting his time between the Balwyn office and Hoppers Crossing to stay available to clients across both areas.
Balwyn and Hoppers Crossing, Melbourne
Minji Kim
Minji Kim
Finance Broker
Minji Kim is a Finance Broker at Acceptance Finance, an award-winning broker known across Balwyn and Ringwood, and a trusted contact for Melbourne's Korean community.
Balwyn and Ringwood, Melbourne
Richie Kasai
Richie Kasai
Finance Broker
Richie Kasai is a Finance Broker at Acceptance Finance, based out of the Balwyn office and known across Kew and Doncaster.
Balwyn, Melbourne
Russel Shaw
Russel Shaw
Finance Broker – Northern Rivers
Russel Shaw is a Director of Acceptance Finance and its Senior Finance Broker for the Ocean Shores office, working across the Northern Rivers region and South East Queensland, with the backing of the Melbourne head office.
Ocean Shores, Northern Rivers NSW
Sally Whitworth
Sally Whitworth
Finance Broker
Sally Whitworth is a Finance Broker at Acceptance Finance, focused on educating clients so they can make informed decisions about their loan choices.
Balwyn, Melbourne
Sharon D'Costa
Sharon D'Costa
Finance Broker
Sharon D'Costa is a Finance Broker at Acceptance Finance, helping clients across home loans, refinancing, SMSF lending, reverse mortgages and commercial finance.
Melbourne
What our clients often ask us
Should I choose interest-only or principal and interest?
It depends on your strategy and wider debt. Many investors use interest-only to keep outgoings down and focus on paying non-deductible debt first, but interest-only doesn’t build equity through repayments. We’ll talk it through with you and your accountant.
Can you review my existing investment loans?
Yes. We offer a complimentary review of your current loan structure and borrowing capacity, so you can see whether the foundations of your portfolio are as strong as they could be before your next purchase.
What types of purchases can you finance?
Buying an existing property to rent out, buying land and building, or buying off the plan. Each has different considerations, and we’ll help you structure finance to suit.
Will you work with my accountant?
Absolutely. Getting your structure right for tax and asset protection usually means working alongside your accountant and other advisers, and we’re happy to do exactly that.
Reading for your finance journey
Practical guidance on borrowing, structuring finance and the decisions ahead of you.
How to build financial confidence: A guide for women who want to take charge
Michelle Heffernan
Jun 05, 2026
There’s one thing that we consistently see lacking in women’s finances. And that’s confidence. Highly capable, intelligent women who completely underestimate themselves. Confidence and knowledge are not the same thing,...
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Closing the retirement savings gap for women
Tracey Pace
May 09, 2025
In Australia today, women are still retiring with around 30% less superannuation than their male counterparts. And while some positive systemic changes are taking place, such as the government introducing...
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Why it’s critical that women stay on top of their finances.
Emily Lanciana
Jul 09, 2018
Women face unique challenges when it comes to finance; factors such as the gender pay gap and increased likelihood of a career break to care for children or elderly parents...
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Explore more on the Apt Wealth Partners blog.
Build your portfolio on solid ground
Book a no-obligation chat and start with a complimentary review of your loan structure and borrowing capacity.
Prefer to talk now? Call us on 1800 801 277
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