Investor / Portfolio Friendly Loans

Flexible funding for future-focused investors.

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What Are Investor / Portfolio Friendly Loans?

Investor and portfolio friendly loans are structured finance products designed for individuals or entities looking to grow their wealth through property, shares, managed funds, or other investment assets. These loans offer the flexibility to borrow against a mix of asset classes—including real estate and market-based securities—helping you build and manage an investment portfolio with strategic leverage.

Whether you’re expanding a property portfolio, investing in ETFs, or considering margin loans, these solutions are built to align with your investment objectives while managing risk through careful structure.

Who Are Investor Portfolio Loans For?

Whether you’re targeting rental yields, capital gains, or a long-term gearing strategy, FYX Finance supports your pathway with transparency, structure, and agility.

Experience investor focusing on wealth creation

Those looking for higher borrowing capacity vs any banks (Both Lo and full doc)

Borrowers that want to borrow up to 10 years Interest only

Multiple split options

Experts to structure complex loans

Options to accept trust or company structures

Unique securities and larger land size

Investor not afraid to see outside traditional banks

Key Features of FYX Finance Investor Loans

Borrow against a broad asset base—property, shares, ETFs, managed funds, or equity

Flexible interest-only or principal and interest options

Line of credit loans available for liquidity without disrupting assets

Structured solutions for negatively or positively geared portfolios

Securities-backed lending using your investment portfolio as collateral

Access to margin loans for equities and managed funds

Diversify investments without selling down

Strategic LVR (loan-to-value ratio) guidance to manage exposure

Competitive rates, with options for fixed or variable

Our approach combines lending precision with investor insight—so your loans don’t just fund today’s goals, they support tomorrow’s wealth.

What’s the Difference Between Investment Loans and Home Loans?

While home loans are structured around personal occupancy and lifestyle, investment loans are purpose-built for asset growth and wealth creation.

Key differences include:

Loan structure: Greater flexibility for interest-only terms and gearing strategy
Tax treatment: Interest may be deductible depending on the purpose and structure
Assessment metrics: Borrowing capacity includes expected investment income
Risk exposure: Borrowing to invest is high risk and comes with capital risk and investment income risk

FYX helps you navigate these distinctions clearly—ensuring your investment loan complements your portfolio’s strategy without compromising on cash flow or compliance.

How Investment Lending Works

At its core, investment lending involves using borrowed funds to acquire income-generating or growth-focused assets. The loan can be secured against:

Investment properties
Shares and ETFs
Managed funds
Commercial properties
SMSFs or equity from existing assets

Returns may come from rental income, capital appreciation, or dividends—but repayments still need to be met regardless of performance. That’s why managing the risk of an investment loan is critical.

FYX builds loan structures that consider:

Repayment resilience
Gearing ratios
Asset volatility
Your long-term plans

We help you unlock smart leverage—without overreaching.

What Can You Use Investor Loans For?

Purchase investment properties or expand an existing property portfolio

Build exposure to shares, ETFs, or managed funds

Refinance existing investment debt at better rates

Access capital for diversification without liquidating assets

Renovate or add value to investment properties

Fund SMSF property acquisitions in a compliant way

Types of Investor / Portfolio Friendly Loans

Investment Property Loans

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Fund the purchase of rental properties, whether residential or commercial, and structure repayments to suit your tax position and cash flow. Ideal for both first-time and seasoned landlords.

Equity Loans

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Use the untapped value in an existing property or portfolio to fund a new investment, renovate, or consolidate higher-interest debt.

Securities-Backed Lending

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Leverage shares, ETFs, or managed funds as collateral. Maintain exposure to market growth while accessing liquidity.

SMSF Loans

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Specialised lending for self-managed super funds, allowing property acquisition under superannuation rules.

Margin Loans

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Borrow to invest directly in market-linked securities. Margin lending can magnify gains—but also amplify losses. FYX supports clear LVR management and exit planning to mitigate downside.

Line of Credit Loans

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Line of Credit Loans

What You’ll Need to Apply

Requirements vary by lender and loan type, but generally include:

Asset and liability statement (including your portfolio)

Proof of income, including rental income or dividend streams

Property details, if applicable

SMSF documentation (for SMSF loans)

Portfolio performance records for securities-backed lending

Identification and credit report

Let's move forward together

Our lending specialists guide you through every step—from application to loan approval and settlement—ensuring you’re positioned for fast, informed decisions.

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