We calculate realistic borrowing power based on income, expenses, and deposit.
Guidance on low deposit loans, guarantor options, and government schemes.
We compare major banks and specialist lenders that suit first home buyers.
We structure loans to reduce costs, improve flexibility, and plan ahead.
From pre-approval to settlement, we manage the process end to end.
Plain English advice so you know exactly what you are signing up for.
Building a property portfolio requires the right finance structure from the start.
Incorrect loan setup can limit borrowing power, reduce cash flow, and slow long-term growth.
Mortera treats every investment loan as if it were our own.
We focus on structure, flexibility, and long-term outcomes, not just interest rates.
Whether you are purchasing your first investment property or expanding an existing portfolio, we help you secure finance that supports your strategy.
Our brokers have worked inside banks and specialist lending teams.
We understand how investment loans are assessed and how to position applications for approval.
You gain access to lender policies and specialist credit teams not available directly to the public.
Mortera represents your application, negotiates rates, and structures loans to maximise returns and future borrowing capacity.
Mortera takes a strategic approach to investment lending.
We review credit policies, assess lender appetite, and compare options across a wide panel of banks and specialist lenders.
We explain the fine print clearly and recommend loan structures aligned with your long-term investment goals.
Most lenders prefer an 80% LVR for investment properties to avoid LMI.
Some professionals may qualify for higher LVRs without LMI, depending on lender policy.
We assess eligibility and negotiate terms that reduce unnecessary costs.
A 20% deposit helps avoid LMI, but it is not always required.
Options may include:
LMI waiver programs
Using equity from existing property
Family guarantee structures
We explain the risks and benefits of each approach so you can decide confidently.
Pre-approval is strongly recommended.
It helps confirm borrowing power, strengthens negotiations, and avoids delays once you find the right property.
Existing homeowners may also use equity or refinancing to fund deposits.
Start with a conversation.
We assess your current position, borrowing capacity, and long-term goals.
You receive tailored loan options within 24 hours in most cases.
Our service is typically free to you.
We are paid by the lender after settlement.
Pre-approval can be issued within a few business days once documents are provided. Timeframes vary by lender and complexity.
Mortera is available 8am to 8pm, seven days a week.
We work Australia-wide.
No obligation.
Expect a response within five minutes during business hours.
298 George St, Haymarket, Sydney, Australia
Mortera Finance Pty Ltd trading as Mortera
ABN: XX XXX XXX XXX
Australian Credit Licence: XXXXXX
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