For Perth property investors
Is your investment strategy still built to win?
Book a free 15-minute consult with Perth lending specialists who compare 25+ lenders and structure your loans to protect your cash flow and keep your next purchase possible.
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The most awarded independent finance company in Western Australia
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MFAA National Winner 2026
Commercial & Equipment Finance Broker Award
MPA Top Commercial Brokers 2026
Mortgage Professional Australia
MPA Top 50 Brokerage in Australia
2025 and 2026
MFAA State Winner 2026
Commercial and Equipment Finance Broker Award
The rules are shifting under your portfolio
The strategy that worked five years ago may now be quietly costing you. Here is what is changing for Perth investors.
Negative gearing changes proposed
Proposed changes could reshape how investment losses are treated. If your portfolio relies on it, your numbers may need a rethink before the rules change, not after.
Trust structures under review
Changes to how trusts are treated could affect how you hold property.
Rising rates squeezing cash flow
Every rate rise eats into your rental return. Many investors are paying a loyalty tax of 0.3% to 0.8% above what new customers get, without realising it.
Borrowing walls and softer sentiment
Sentiment is cooling and your current bank may have capped what you can borrow. The right lender can see your position very differently.
Doing nothing is still a decision
01
The wrong structure locks you in.
Cross-collateralised loans can trap your equity and limit your ability to sell or refinance later.
02
Your bank will not call you with a better deal.
Lenders rarely offer meaningful discounts unless you push. We push for you.
03
Sometimes you don't even need to switch.
Often we get your existing lender to drop your rate just by asking.
How TAG helps investors stay ahead
01
Structure first, rate second
How your loans are set up (interest-only periods, offsets, which property secures what) often matters more than the rate. Keeping investment loans separate from your family home is one of the most important structural decisions we help clients get right.
02
Lender policy matched to you
Serviceability rules differ wildly. Some lenders count 90% of rental income, some far less. The same portfolio can borrow $100,000+ more with the right lender.
03
Equity unlocked properly
Accessible equity can fund your next deposit without touching savings. If your home is worth $900,000 with a $500,000 loan, you have around $220,000 of accessible equity (to 80% of value). We show you the number and the safe way to release it.
04
SMSF lending, handled
Limited-recourse loans inside super have strict rules and few lenders. We work alongside your accountant and adviser to arrange the finance side.
Investment loan types available
01
Interest-Only Investment Loan
Minimise monthly outgoings and maximise cash flow flexibility. A popular structure for Perth investors.
02
Principal and Interest Investment Loan
Builds equity faster. Better for cash-flow positive properties. Lower interest rates than IO.
03
SMSF Limited Recourse Borrowing
Purchase property through your super fund. Rental income taxed at concessional super rates. Specialist lenders required.
04
Portfolio Refinance
Review and restructure multiple investment loans simultaneously, unlocking rate savings and releasing equity.
Three opportunities we will explore in your consult
As the landscape shifts, smart investors are repositioning. On your free consult, we will show you whether any of these fit your situation.
Commercial property investment
Leased commercial property can offer stronger yields than residential. TAG brokers were named MFAA 2026 National Winner for Commercial & Equipment Finance and MPA Top Commercial Brokers 2026.
Book a consultRefinance and restructure
Relief from rising repayments and a stronger cash position. Australians who switched lenders saved an average of about $1,900 a year (PEXA). We go to your lender, or a better one, and negotiate on your behalf.
Book a consultNew builds and house-and-land
Land, construction and turnkey packages. New housing stock is expected to become one of the strongest opportunities for investors.
Book a consultRun your numbers
Estimated borrowing power
$654,000
Monthly repayment
$3,959
Indicative property budget
$817,500
Lenders vary by tens of thousands on the same application. A broker comparison across 25+ lenders finds your true maximum.
Book a consultEstimate only, not a formal assessment or loan offer. Results use simplified assumptions.
Your path to a stronger portfolio
- 1
Strategy chat
Your goals, equity position and borrowing capacity across lenders.
- 2
Structure
We design the loan setup with your accountant's tax advice in mind.
- 3
Approve
Pre-approval so you can negotiate on property with certainty.
- 4
Settle and repeat
We monitor rates and re-check capacity when you are ready for the next one.
Proof, not promises
5.0 stars from 440+ verified Google reviews
"This is our 3rd time using Tag Finance for purchasing property and the reason is simple, they go above and beyond to help and make the entire process easy and hassle free!"
Jake Griechen
Verified Google Review
"Excellent service! Alice truly understands the need of clients and provides informed advice. This is my second time Alice helps me from obtaining the pre-approval to finalising the settlement."
Laurence C
Verified Google Review
"Five-star service from all involved, what a team! I know my needs are never straight forward... you guys always have great patience and persist. See you early next year for my next loan."
Blake Porter
Verified Google Review
One group. Your whole property journey.
TAG has been part of the Transact Group since 2024, with offices in Perth and Brisbane. When you outgrow residential investment, the commercial desk works your side of the table.
$2b+
Funding advised on by the group
$100m+
Single facilities arranged in syndicated and club structures
Transact Capital
Commercial property sales, leasing, asset and property management, and a dedicated commercial buyer's agency.
Transact Finance
Commercial debt and equity advisory across major banks, non-bank lenders and private capital.
Transact Insurance
Business, landlord and construction cover for the households and businesses TAG finances.
Group services are provided by separate licensed entities: Transact Capital Pty Ltd (WA Real Estate Licence RA73593) · Transact Capital (QLD) Pty Ltd (Licence 4209076) · Transact Finance Pty Ltd (Credit Representative 525470 of Australian Credit Licence 389328) · Transact Insurance Pty Ltd (Authorised Representative 1316003 of Sparaxis Pty Ltd, AFSL 245406).
Common questions
Investor loan jargon, translated
Interest-only means you pay just the interest for a set period (usually up to five years), keeping repayments lower and cash flow free. The loan balance doesn't reduce during that time.
Cross-collateralisation is when one loan is secured by two properties. It can limit your flexibility to sell or refinance later; we usually structure loans to avoid it.
An SMSF loan (limited recourse borrowing arrangement) lets your self-managed super fund borrow to buy property, with the lender's claim limited to that property. The rules are strict. Advice from your accountant or financial adviser is essential, and we arrange only the credit side.
TAG Financial Group provides credit assistance only. We are not tax agents or financial advisers. Structuring examples are general information, and you should get advice on tax and investment strategy from a qualified professional.
What do the proposed tax changes mean for my investment loans?
Policy proposals around negative gearing and trusts are still evolving, and the impact depends on your circumstances. We are not tax advisers, but we can model your lending options under different scenarios and work alongside your accountant so your structure is ready either way.
Is now a good time to invest in Perth property?
Perth recorded 10.1% annual growth in the year to September 2026 (Cotality), second only to Darwin among the capitals, though values have eased from their April 2026 peak and buying conditions have shifted in favour of purchasers. Whether that suits your situation is a personal decision. We can tell you exactly what you could borrow and what it would cost, so you can decide with real numbers.
How much deposit do I need for an investment property?
Usually 10% to 20% of the purchase price, but many investors use none of their own cash. Equity in your existing home can cover the deposit and costs. Lenders typically lend to 80% of a property's value without LMI, and up to 90% to 95% with it.
Should my investment loan be interest-only?
Interest-only keeps repayments lower and preserves cash flow while you hold. The trade-off is the balance does not reduce and rates are slightly higher. We model both against your goals.
How do lenders treat rental income?
Most count 75% to 90% of expected rent towards your borrowing power. Policies differ enough that the same portfolio can borrow $100,000+ more with one lender than another.
Can I use my home's equity to buy an investment property?
Yes. It is the most common way Perth investors fund their first purchase. We release it as a separate loan split so everything stays clean.
Can my SMSF borrow to buy property?
Yes, through a limited recourse borrowing arrangement, where the lender's security is limited to that property. Deposits are larger (usually 20% to 30%), fewer lenders play in this space, and strict super rules apply. Get advice from your accountant, and we'll arrange the lending side.
What does the consult cost?
Nothing. It is a free, no-obligation 15-minute consult with a TAG broker, by phone or video.
The landscape is changing. Your strategy should too.
Free 15-minute consult with a Perth investment lending specialist, by phone or video. No obligation, no pressure, just clear numbers.