
Investment LoansSolutions
Strategic property investment financing with expert guidance and competitive rates.
Why Choose Us?
Expert Guidance
12+ years experience
50+ Lenders
Best rates guaranteed
Fast Processing
Fast pre-approval
Investment Loans Solutions
What We Offer
Comprehensive investment loans solutions tailored to your needs with expert guidance and competitive rates
Interest-only and principal & interest options
Professional guidance and support throughout your loan journey.
Portfolio lending across multiple properties
Professional guidance and support throughout your loan journey.
Cross-collateralization strategies
Professional guidance and support throughout your loan journey.
Tax-effective loan structures
Professional guidance and support throughout your loan journey.
Access to specialist investment lenders
Professional guidance and support throughout your loan journey.
Ongoing portfolio optimisation
Professional guidance and support throughout your loan journey.
Why Choose Our Investment Loan Services?
Experience the difference with our expert guidance and comprehensive support designed to help you achieve your financial goals
Expert Investment Guidance
Our experienced team understands the complexities of investment property financing and can guide you through the entire process.
Competitive Investment Rates
Access to competitive rates specifically designed for investment properties from our panel of 50+ lenders.
Equity Utilization
Leverage your existing home equity as a deposit for investment properties, potentially allowing you to borrow the total purchase price including costs.
Tax Strategy Support
Understanding negative gearing and other tax benefits to maximize your investment returns.
Ready to Experience These Benefits?
Join thousands of satisfied customers who have improved their financial situation with our expert guidance
Book Free ConsultationInvestment Loan Process
Simple, transparent steps to get your investment loans approved with expert guidance every step of the way
Investment Strategy Consultation
We discuss your investment goals, risk tolerance, and financial capacity to create a tailored strategy.
Property and Loan Analysis
Analyse potential properties and compare investment loan products from our extensive lender panel.
Application and Documentation
We handle all paperwork and ensure your application meets lender requirements for investment properties.
Approval and Settlement
Secure approval and manage the settlement process to get you into your investment property quickly.
Ongoing Investment Support
Continue to support your investment journey with refinancing, additional purchases, and portfolio management.
Frequently Asked Questions
Common questions about investment loans answered by our expert team
Is there any difference between a regular home loan and an investment loan?
Not Exactly! In most cases, the same home loan types and features apply to investors. However, some lenders can charge a higher rate if the associated risk is more significant.
Can I use the equity in my home as a deposit for my investment?
It is pretty standard for investors to use their home equity as a deposit, and most banks will accept equity in your home as collateral. This can potentially allow you to borrow the property's total purchase price, including all costs (stamp duty and other fees), without providing any cash. However, when you use your home as collateral, if you can not fund the mortgage for your investment property, both your investment property and the house will be at risk. There are still many options out there that will better suit your requirements. Get in touch with one of our mortgage brokers, and they will help you out.
What is negative gearing?
It applies to investment property only. In straightforward terms, if expenses are more than the income you earn from holding investment property in that particular financial year, it is called negative gearing. It is a 'tax loss' that you can claim in your tax return every year if you hold on to an investment property. It applies throughout life.
What are the benefits of using a mortgage broker for investment loans?
We have access to 50+ lenders and can compare investment loan products to find the best rates and features for your specific investment strategy. We also understand the complexities of investment property financing and can guide you through the entire process.
How much deposit do I need for an investment property?
Typically, you'll need a 20% deposit for an investment property, but this can vary depending on the lender and your financial situation. We can help you explore options including using equity from your existing property.
Can I get pre-approval for an investment loan?
Yes, we can help you get pre-approval for an investment loan, which gives you confidence when making offers and shows sellers you're a serious buyer.
Still Have Questions?
Our expert team is here to help answer any questions you may have about investment loans

Sumit Joshi
Senior Loan Advisor & Director
“We can't thank Sumit enough for helping us secure our first home - especially in such a tough and competitive market. He truly went above and beyond at every step of the process. From answering all our questions with patience to finding the best possible deal, his dedication and expertise made all the difference. We always felt supported and informed, and his commitment gave us confidence during a very stressful time. Thanks to him, we're now proud homeowners. Highly recommend to anyone looking for a mortgage broker who genuinely cares.”
- Vandhana Naidu
What Our Customers Say
Based on 331+ verified Google Reviews. Here's what our satisfied customers have to say about their experience with RyRo Loan Centre.
Vandhana Naidu
"We can't thank Sumit enough for helping us secure our first home - especially in such a tough and competitive market. He truly went above and beyond a..."
Emi Lia
"We had a great experience with Sumit and his team. We can't express enough how grateful we are to them, as they did a really splendid job! Helped us a..."
Rajnil Sharma
"Working with Sumit Joshi & co was a fantastic experience. They were very professional, knowledgeable, and made the whole process stress-free. I apprec..."
SS
"I had an absolutely outstanding experience with RyRo Loan Centre and I cannot thank Sumit enough for his incredible support throughout my investment l..."
Garima Sharma
"Sumit made the entire property purchasing process smooth and stress-free. Always professional, responsive, and genuinely helpful, he went above and be..."
Info Nue Design Homes
"Our experience with Sumit and his team was wonderful. They guided us from start to finish in a professional and unbiased manner. They are a team of hi..."
Gopichand Paladugu
"It's been an amazing experience working with Sumit, he helped me through initial Mortgage loan and recently in refinancing my loan. He helped me in ev..."
Naga Seramsetty
"As recent migrants from New Zealand, my wife and I were navigating the complex Australian property market for the first time, and we couldn't have ask..."
Andrew Napier
"I had an amazing experience working with Sumit to secure a loan for my first home. From start to finish, he made the process smooth, stress-free, and ..."
Kamal Raqba
"Sumit Joshi is our trusted mortgage broker, we have used his services for the last 8 years and he has always guided us in the right direction and prov..."
Adam Moffat
"As first-time homebuyers, we were initially unsure about which mortgage broker to choose, and we had a few lined up to discuss our needs. Sumit at RyR..."
Yash Dharva
"I had an outstanding experience working with Vijay Dhingra from RyRo loan centre from start to finish. They made the entire mortgage process smooth, s..."
Praneet Singh
"Sumit and his team were super helpful throughout the entire loan approval process. Always prompt with responses and super convenient to deal with if I..."
Sudhir Sehgal
"First of all heartiest thanks Sumit for making our journey to get loan approval so smooth and in really very comfort zone, since I am in Australia I h..."
Chloe Martirena
"I had an amazing experience working with Sumit while buying my first home! From the very beginning, he was incredibly responsive and always made time ..."
Suvidha Horn
"Thank you so much Sumit, Dean, Kathryn and the team at RyRo. You guys have been excellent and thorough professionals. Highly recommended for any home ..."
Alex
"Sumit and team gave as an amazing experience, even after we decided to back out of our first purchase , I reached out to Sumit a year or two later, he..."
Jay Patel
"I had an exceptional experience with RyRo Loan Centre, and I wholeheartedly recommend their services. Sumit and his team were not only highly knowledg..."
Manjit Kaur
"I had an amazing experience with Sumit! The whole process was smooth, professional, and stress-free. He was incredibly helpful every step of the way, ..."
Tyler Howard
"I can't recommend Sumit enough! As a first-time home buyer, I was nervous about the whole process, but he made everything so easy and straightforward...."


“We can't thank Sumit enough for helping us secure our first home - especially in such a tough and competitive market. He truly went above and beyond at every step of the process. From answering all our questions with patience to finding the best possible deal, his dedication and expertise made all the difference. We always felt supported and informed, and his commitment gave us confidence during a very stressful time. Thanks to him, we're now proud homeowners. Highly recommend to anyone looking for a mortgage broker who genuinely cares.”
Vandhana Naidu
Ready to Secure Your Financial Future?
Join 2000+ Australian families who've achieved their property dreams with RyRo Loan Centre. Get expert guidance and access to the best loan products.
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