Investment Property Mortgage Broker Sydney
Director-led investment loan structuring for Sydney investors, from first purchase to full portfolio.
No cost to you · No obligation · Seven days, 8am to 8pm
AFMS Group is Sydney's specialist investment property broker, recognised as a Top 10 Broker in Australia (MPA 2025) and a Top 5 NSW Broker (AFG). As a director-led and local broker, you get direct advice and structuring from founder Andrew Hadjidemetri, who has personally built his own investment portfolio. Our expertise and experience can guide you to structure a deal that sets you up for the future, not just the right rate for today.
Book an obligation-free 15-minute discovery call to discuss your investment property goals.
Book a ConsultationSee How Investment Property Builds Wealth
Drag the sliders to model how capital growth compounds on the full property value. This is the power of leverage: growth compounds on the whole asset, not just your deposit.
Illustrative only. Assumes a constant growth rate and excludes purchase costs, stamp duty, loan interest, rental income, taxes, and selling costs. Property values can fall as well as rise, and past performance is not an indicator of future performance. This is not financial advice; speak to an AFMS Group broker about your circumstances.
What's Included in AFMS Group's Investment Property Mortgage Broker Service
- No broker fees and a zero commission-conflict policy
- A free 15-minute discovery call to scope your investment goals, timeline, and borrowing position
- Free CoreLogic suburb and property reports before you commit to a suburb
- Borrowing capacity modelled across multiple lender serviceability calculators, not just one bank's
- Loan comparison across a five-tier panel of 30+ lenders, including non-bank and specialist
- Structuring advice across IO vs P&I, offset and redraw, equity release, and protecting future borrowing power
- Investment loan pre-approval so you can bid at auction with confidence
- Full document preparation handled upfront, so the deal does not stall
- Lender negotiation and management of lender questions through to settlement
- An annual loan health check, proactive rate watch, and end-of-rate planning long after settlement
Award-Winning Investment Property Loan Specialists in Sydney
Sydney investors trust us with their next investment property loan because every loan is personally managed by Director Andrew Hadjidemetri. Our deep financial expertise and experience mean we bring a personalised approach to every client, from efficient approvals to access across our five-tier lender network.
This approach has enabled us to be recognised as a Top 10 Broker in Australia (MPA 2025). Our direct lender relationships were recognised as the #1 NSW AFG Broker for Westpac in 2025, and our prioritisation of client best interests helped us win the MFAA Customer Service Award in 2025.
With over 800 five-star reviews across Google and BrokerPages, we're renowned for putting clients first and helping them achieve their property goals from approval through to beyond settlement.
Why Sydney Property Investors Choose AFMS Group
Director-Led Strategy From a Sydney Investor
Andrew Hadjidemetri isn't just AFMS Group's principal broker; he's built his own Sydney property portfolio using the same strategies he advises clients on. His advice on structuring, cross-collateralisation or equity-recycling comes from experience, not a textbook. He's personally settled $1 billion+ in loans and was named Top 10 Broker in Australia (MPA 2025).
Access to 30+ Lenders
We have direct relationships with a five-tier panel of 30+ Australian lenders, including major banks, second-tier banks, non-bank lenders and specialist lenders. Our relationships can help you navigate which lenders have an appetite for which suburbs and which lenders have restrictions on certain investment properties.
800+ Five-Star Reviews From Sydney Borrowers
We have 800+ five-star reviews across Google and BrokerPages, naming us as incredibly detailed, communicative and thoughtful. We help investors plan for the long-term and achieve their goals.
Free CoreLogic Suburb & Property Reports
We believe knowledge is power to achieve financial goals and provide CoreLogic suburb and property reports to clients free of charge. The research tool helps investors access capital growth, rental yield, vacancy rates and demographics before committing to a suburb.
"What really stood out was how Andrew did not just focus on getting the deal done, but on keeping us financially safe and grounded, especially when we were considering buying more than one property. His advice was thoughtful, balanced, and always in our best interest, helping us think long term rather than overextending ourselves."
AFMS Five Star ReviewOur Investment Lender Panel
We work with 30+ lenders across all five tiers to get you the best deal.
The Benefits of Investing in Property in Sydney
Sydney has been a wealth-builder for generations, with long-term capital growth, tax efficiency and leverage. With AFMS Group brokers, investors can navigate changes in the Australian market and tax rules to continue leveraging investment portfolios for long-term wealth.
Leverage: Build Wealth With Other People's Money
Property is one of the few asset classes that banks will lend 80-90% against, which you could leverage to your advantage. Growth compounds on the full asset value, not just your contribution to the deposit.
Long-Term Capital Growth in Sydney
Sydney has historically been one of the world's strongest capital growth markets due to a steady demand, limited supply, high median prices and lower volatility.
Rental Income to Offset Holding Costs
Sydney has strong tenant demand and a low vacancy rate, making it an ideal place for investors. Tenants can help service the loan through their rental payments, which can bridge the gap between ongoing costs and long-term asset appreciation.
Tax Efficiency
Tax efficiency remains a key advantage of investing in property, as investors can deduct mortgage interest and other expenses against rental income, reducing their taxable profit. While the government has proposed changes to negative gearing, the strategy still offers cash-flow support for those with higher incomes and a long-term horizon.
Diversification Beyond Shares and Super
Property is uncorrelated with share-market volatility, so diversifying in property helps to balance your risks in the market.
A Tangible, Inflation-Hedged Asset
Many investors like property purchases as they can see, touch and improve the physical asset rather than buying an ETF. Rental income and property values can typically rise with inflation, protecting your long-term purchasing power.
Sydney's Investment Property Market: What Investors Need to Know
We continually analyse the best Sydney suburbs to invest in to give investors the advantage of knowledge in the market. Here's our list of the top things investors should know in 2026, sourced from AFMS Group's 2026 Sydney suburbs analysis (refreshed annually):
- Sydney's median house price is around $1.24M with a forecast capital growth of 5-8% and rental growth of around 5.2%.
- Strong migration trends are driving rental demand.
- Lender appetite is strong but selective, with some lenders imposing high-density apartment caps or postcode restrictions.
- The Government has proposed changes to negative gearing from 2027; the rules are not yet settled, so check the current position with your accountant or the ATO.
Types of Investment Property Loans We Arrange
The right loan structures can save investors tens of thousands over the lifetime of a loan. AFMS Group helps investors pick the right loan based on cash flow, taxes and portfolio plans.
Variable Rate Investment Loans
Most Sydney investors expecting rates to soften or planning to refinance within 2-3 years will choose variable rates. The rate can move with the market, give you flexibility on extra repayments and the offset and redraw features are typically standard.
Fixed Rate Investment Loans
Those locking in cash flow for negative-gearing calculations or holding through a rate cycle will typically fix a 2-5 year fixed-rate investment loan. This enables repayment clarity and easier budgeting, but the trade-offs are limitations on extra repayments and break costs if you exit early.
Interest-Only Investment Loans
For most Sydney investors building a portfolio, an interest-only (IO) loan is the default choice. It can maximise cash flow by keeping all interest tax-deductible, freeing up capital for the next investment. AFMS Group helps borrowers plan proactively for the end of an interest-only period, laying out a clear action plan to convert back to principal-and-interest well ahead of the bank's notification.
Principal & Interest Investment Loans
P&I loans may suit investors closer to retirement, paying down debt or running a single-property strategy where equity build matters more than cash flow. Since APRA's IO crackdown in 2017 (limiting lenders' IO loans to just 30% of overall residential loans), P&I is the default lender preference, and they often attract a lower interest rate.
Line of Credit & Equity Release
Using equity to buy another property is often the engine of portfolio building in Sydney. It works by using the equity in property 1 as the deposit for property 2, such as:
Your Inner West Sydney property is valued at $1.4M with a $600k loan. An 80% LVR on the $1.4M would be $1.12M. $1.12M - the $600k loan leaves you with $520k equity to use as a deposit on property 2.
Most people don't realise how much usable equity they already have. AFMS Group will run this calculation in the first meeting, so you know exactly what you have to play with for your investment property.
SMSF Investment Property Loans
SMSF property loans are often used by high-income Sydney professionals with a maxed-out super contribution to continue building wealth in a tax-efficient manner. SMSF loans are available under a Limited Recourse Borrowing Arrangement (LRBA), meaning the loan is secured only against the property being purchased. Due to the narrow specialist lending panel offering SMSF loans, it always pays to have a mortgage broker on your side.
Construction Loans for Investment Properties
Investors building new dwellings or buying off-the-plan in growth corridors like Western Sydney or the Northwest typically use a construction loan. You'll typically need a non-bank specialist or private credit lender, so it's advantageous to partner with an experienced investment property mortgage broker.
Not sure which structure fits your strategy? Talk it through with an investment specialist.
Call 1300 659 756How Much Deposit Do You Need for an Investment Property in Sydney?
Most lenders require a 10-20% deposit for an investment property in Sydney, plus stamp duty and purchase costs. Typically, a 20% deposit avoids paying Lenders Mortgage Insurance (LMI), which may be a more economical choice. Many Sydney investors use equity from their existing home to hit the 20% deposit instead of cash savings.
Discuss your deposit position with an AFMS broker in a free 15-minute discovery call, or use our loan repayment calculator.
How Much Can You Borrow for a Sydney Investment Property?
Borrowing capacity for a Sydney investment property typically depends on income, existing debts, expenses, and the rental income from the property you're buying. Most lenders will apply a serviceability buffer of around 3% above the actual rate and only count 70-80% of your rental income in their calculation. You may calculate your borrowable capacity and find out it's actually less in the lender's eyes.
What Drives Your Borrowing Capacity as an Investor
Your borrowing capacity is calculated to ensure you can service the loan and meet the monthly repayments. AFMS Group helps you understand the factors lenders look at when assessing borrowing capacity:
- The investment income: the potential rental or revenue income from the property.
- Existing debts: HECS, car loans and credit card limits may affect your capacity.
- PAYG vs self-employed: will require different documents to prove income and security.
- Loan type and interest rates: IO and P&I loans will have different borrowing capacity limits.
- Loan term: a longer loan term typically reduces monthly payments.
- Debt-to-Income ratio: lenders treat borrowing at six times or more of your gross income as 'high DTI', and APRA limits how much of it they can write, so many set their own DTI ceilings.
- Lender serviceability buffer: differs per lender appetite.
Each of these levers can be pulled to help maximise your borrowing power.
5 Levers to Increase Your Borrowing Capacity
- Close or reduce your unused credit card limits as lenders assess the full limit, not the balance.
- Consolidate or pay down personal debts.
- Lengthen the loan term to reduce the monthly repayments.
- Consider lenders who place more weight on potential rental income.
- Restructure an existing portfolio into a cheaper rate or IO.
AFMS Group brokers have a 30+ lender, five-tier panel, which helps us find the lender with the serviceability model best suited for your situation.
Tax Benefits of Investment Properties in Sydney
One of the key advantages of investing in property in Sydney can be the potential tax benefits. AFMS Principal Director Andrew Hadjidemetri has firsthand experience with property investing, and our guidance is informed by real market experience.
However, this information is general in nature and should not be relied on as tax or accounting advice. We recommend seeking advice from a qualified tax accountant to get accurate estimates for your specific investment.
Negative Gearing
Negative gearing is a strategy that takes advantage of the Australian tax rule allowing you to offset investment property losses against other taxable income. When your investment property expenses, such as interest, rates, maintenance, and depreciation, exceed the rental income, you can reduce your overall tax burden. It works by creating a situation where the combined benefit of tax savings and capital gains is expected to be much greater than the rental loss, for example:
A high-income investor with a $1.2M Sydney property and a $1M loan at 6.5% runs an $11k annual rental loss, but over 5 years the property appreciates by $300k, generating a net capital gain of $232.5k after CGT.
Over 5 years, their total tax savings from negative gearing are about $24.75k, which is less than the $55k total rental loss. When combined with the $232.5k capital gain, the overall benefit is $257.25k, far exceeding the loss.
This illustrative example shows why investors often accept a small rental loss in the short term for the expectation of much larger wealth gains from capital growth over time.
Note that changes to negative gearing and CGT have been proposed for 1 July 2027 and are not yet settled law (see ATO guidance).
Depreciation
You can claim a tax deduction for your investment property depreciation, which is the natural wear and tear of a property over time. It is a non-cash expense that reduces your taxable rental income, which lowers your tax bill and preserves cash in your bank account. It can be claimed in two categories:
- Capital Works Deductions: apply to the building structure and permanent structural improvements (such as extensions, driveways, fences) and can be claimed at 2.5% per year for up to 40 years from the date construction commenced.
- Plant & Equipment: covers removable assets such as equipment, carpet, hot water systems, and appliances. Each asset depreciates at a varying rate, and deductions generally cannot be claimed on second-hand plant and equipment in properties purchased after 9 May 2017 (unless you installed them new yourself).
Newer properties generate more depreciation because you can claim the full 40-year capital works cycle from the start of your ownership. Over time, this tax saving can be a powerful lever. It improves your after-tax cash flow, helps you service debt, and frees up capital for your next investment.
Investors should hire a qualified quantity surveyor to prepare a depreciation schedule to maximise deductions.
Capital Gains Tax (CGT) for Sydney Investors
Capital Gains Tax (CGT) applies to the property appreciation when you sell your investment property. If your property is held for longer than 12 months, you may be eligible for a 50% CGT discount.
CGT can be the highest cost when selling an investment property, so planning ahead with strategic structuring is key to minimising your CGT liability.
Note that changes to CGT and negative gearing have been proposed for 1 July 2027 and are not yet confirmed (see ATO guidance).
How Sydney Lenders Assess Investment Property Loans Differently
One of the best strategic advantages a mortgage broker can give you is the insights into the lender-side mechanics of assessing investment loans. Each lender will give weight to different factors in their assessment, which may include:
- Rental income shading: most lenders will only count 70-80% of expected rental income for serviceability.
- Debt-to-income (DTI) caps: APRA restricts banks to no more than 20% of new loans at a DTI of 6x or higher, so lenders have limited appetite for high-DTI applicants, and many apply their own DTI ceilings.
- Servicing buffers: many lenders will apply a 3% buffer on top of the actual rate.
- Existing portfolio assessment: it may be harder to find a lender for an additional investment loan.
- Postcode restrictions: some lenders won't lend in all suburbs and may apply caps to certain high-density suburbs.
This is why our five-tier lender panel of over 30 bank and non-bank specialists matters more than picking a single bank.
Our Sydney Investment Property Loan Process: Step by Step
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Step 01
Free Consultation & Investment Goals Review
We'll discuss your situation, goals and timeline in a free 15-minute discovery call. No documents are needed at this stage, and no obligation.
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Step 02
Suburb & Market Research (Free CoreLogic Reports)
AFMS Group provides complimentary CoreLogic suburb and property reports so investors can evaluate target areas before commitment.
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Step 03
Loan Comparison & Pre-Approval
We compare 30+ lenders for the best rate and structure for your situation and secure an investment loan pre-approval so you can bid with confidence.
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Step 04
Property Search & Offer
Once you find the property, AFMS Group coordinates with your conveyancer/solicitor and the lender to confirm valuation and unconditional approval. We're available 8 am-8 pm and by appointment on weekends to move fast on the right deal.
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Step 05
Settlement
The lender disburses funds, title transfers, and the property is yours. We coordinate with all parties so you don't need to chase anyone.
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Step 06
Ongoing Reviews & Portfolio Strategy
AFMS Group does annual reviews to check your rate, restructure if better deals emerge, and plan property 2, 3, 4 or more. We stay on file long after settlement to ensure you achieve your goals.
Meet the Team You'll Be Working With on Your Sydney Investment Property Loan
When you take out an investment property loan with AFMS Group, you're not handed off to a call centre. You'll work directly with our principal-led Sydney team. Andrew Hadjidemetri leads every investment loan personally, supported by senior credit and finance brokers, including Jordan Coelho and Nicholas Del Duca, who manage your application end to end.
Andrew Hadjidemetri
Jordan Coelho
Nicholas Del Duca
With extended hours Monday to Friday and weekend appointments available, we're on hand to get the deal done efficiently. Meet the AFMS Group team.
What Sydney Property Investors Say About AFMS Group
Refinancing Your Sydney Investment Property Loan
We evaluate your current loan against the wider market every year, not just when you ask us to. This allows us to be proactive and identify areas for improvement in your rate or structure.
For example, we may suggest refinancing at the end of your fixed-rate or interest-only roll-off, as it may give us a chance to negotiate another rate with a different lender. If you need equity release for the next purchase, we may help you refinance to 80% LVR to use the released equity as a deposit on the next property.
Whether you used us for your initial investment loan or not, you can book a free 15-minute portfolio review at no cost.
Common Pitfalls Sydney Property Investors Make (And How to Avoid Them)
AFMS principal director, Andrew Hadjidemetri, has personally settled over $1 billion in loans over the past decade, and the same five mistakes keep coming up for Sydney property investors. Here's what to watch for:
Andrew Hadjidemetri · Principal Mortgage BrokerBuying for the Wrong Reason (Yield vs Growth Confusion)
The most common mistake I see is investors chasing yield in a city that's built for capital growth. Sydney's median rental yield is often among Australia's lowest, but capital growth is consistently strong. Higher rental yields that drive a profit may be found outside of Sydney. Always know what you're optimising for before choosing the suburb.
Over-Leveraging in a Single Suburb
I've seen investors stack three units in the same Zetland building, and then learn what correlated risk means. Concentrating multiple properties in one suburb creates correlated risk on capital growth, vacancy, and lender exposure caps. It's best to diversify across Sydney corridors or multiple states.
Picking the Wrong Loan Structure Upfront
Structural mistakes can be hard to undo at a later stage. Cross-collateralisation that locks you in or fixed rates when planning to refinance can incur large break costs. This is where broker expertise and proactive future planning can save you money.
Underestimating True Holding Costs
I always ask clients to model the worst-case scenario holding year, such as a 6-week vacancy or 0.5% rate rise, before they commit. We model changes to council rates, strata, property management fees, maintenance and insurance when assessing borrowing capacity. Many investors budget only the loan repayment and get caught short.
Ignoring Lender Postcode Restrictions
Some Sydney postcodes are on lender exclusion lists or LVR caps, and many borrowers only find this out at valuation. This can waste time and end in disappointment. We have a wide lender panel, so we can find the lender that will fund the deal.
How We Support Sydney Investors Long-Term
The success of a property investment portfolio relies on proactively reviewing and adapting where needed. That's why we stay on file long after settlement. With AFMS, you can gain:
- An annual loan health check, comparing your rate vs the market and your loan structure against your changing investment goals.
- Proactive rate watch. We may flag refinance opportunities before you think to look into them.
- End of rate planning. We schedule a review months in advance of your fixed-rate or interest-only deal ending.
- Portfolio strategy sessions when you're considering further properties.
Whether you have 1 property or a huge portfolio, our expertise is available to keep you on track for your financial goals.
Calculators for Sydney Property Investors
We have a suite of localised calculators to help you proactively plan for your investment loan, including:
Loan Repayment Calculator
Model weekly, fortnightly or monthly repayments for any loan size.
SMSF Loan Repayment Calculator
Specialist SMSF investor tool to calculate repayments your super fund can repay.
Home Loan Offset Calculator
See how much an offset account saves over the loan term.
Extra Repayment Calculator
Model the impact of additional repayments.
Stamp Duty Calculator
Estimate NSW stamp duty for an investment purchase.
Income Tax Calculator
Useful for modelling negative gearing impact.
Investment Property Mortgage Broker Services Across Sydney
Along with our wide lender panel to provide the best choice, we also serve investors across all major Sydney corridors to help you build a diverse investment property portfolio. Our expertise and knowledge in each suburb help investors feel guided through their property search.
We're available Monday to Friday, 8am - 8pm in the following suburbs:
- The high capital growth corridor of the Eastern Suburbs: Randwick & Coogee
- The premium investor area of the North Shore: Chatswood & Manly
- Growth corridors in Greater Western Sydney: Parramatta & Penrith
Speak to Sydney's Investment Property Mortgage Broker Specialists
Book an obligation-free 15-minute discovery call to discuss your investment property goals.
Frequently Asked Questions
Do I Need a Mortgage Broker to Buy an Investment Property in Sydney?
You don't need one, but it's strongly recommended for investors because lender choice matters due to their varying restrictions on DTI and postcodes. Structure also matters more for future portfolio planning, so you are not locked into an IO or cross-collateral deal that may be expensive to break if you need to make moves with your portfolio.
AFMS Group's lender panel gives you access banks won't with no consultation fee.
How Much Deposit Do I Need for an Investment Property in Sydney?
Most lenders require a minimum of 10-20%, but 20% avoids LMI. Equity from your existing home can fund the deposit instead of cash. Sydney's higher purchase prices mean deposits are larger in absolute dollars.
Can I Use Equity From My Home to Buy an Investment Property?
Yes, we find that this is one of the most common entry paths for Sydney investors. We can help you refinance to release equity (usually capped at 80% LVR), then use that equity as the deposit on your investment.
Is Interest on an Investment Property Loan Tax Deductible?
Interest is typically tax-deductible while the property is genuinely available for rent. In fact, it's a key reason many investors prefer interest-only loans during the IO term. Speak to your accountant about your personal circumstances.
Should I Choose Interest-Only or Principal & Interest for an Investment Loan?
This depends entirely on your goals. IO maximises cash flow and tax deductibility, but doesn't build equity. P&I builds equity from day one but costs more monthly. Many Sydney investors run 5-year IO rates, then convert to a P&I rate. AFMS Group can help you model both scenarios.
Where Are the Best Suburbs to Invest in Sydney?
The best suburb to invest in Sydney really depends on your goal. Your perfect suburb to buy in will differ if your aim is high rental yields or appreciation growth, and depend on how long you want to hold the property before selling. Our free CoreLogic suburb report and annual best Sydney suburbs to invest in analysis will be able to help you narrow down based on your investment goals.
Can I Buy an Investment Property Through My SMSF?
Yes, you can buy under an SMSF loan, which is a Limited Recourse Borrowing Arrangement (LRBA). A niche number of lenders offer SMSF loans with specific rules, such as arm's-length rentals. SMSF loans are a specialist and growing route to investment property, offered by only a narrow panel of lenders. AFMS Group has a wide lender panel and dedicated SMSF lending expertise.
This page provides general information only and does not constitute financial or credit advice. Speak to a licensed mortgage broker for advice tailored to your circumstances. Australian Credit Licence 389087.