Copyright © LYDIAN FINANCIAL SERVICES PTY LTD 2026. All Right Reserved.
New South Wales | Lydian Financial Services
CHANGE LOCATION
Whether you are buying your first investment property or adding to an established portfolio, the right loan structure matters. We help investors across New South Wales borrow strategically and compare over 50 lenders.
A good investment loan does more than fund a purchase. The way it is structured can affect your cash flow, your flexibility, and how easily you can grow from here.
Many investors use the equity in their existing property as a deposit for the next one, rather than saving from scratch. Others focus on interest-only periods to manage cash flow, or split loans to balance certainty and flexibility.
Lenders assess investors differently to owner-occupiers, looking closely at rental income, serviceability, and your overall position. Knowing how each lender views your application is where a broker adds real value.
We are not financial or tax advisers, so for questions about tax we will point you to the right professional. What we do is structure your lending so it supports the portfolio you are working towards.
The difference between a good and a great investment loan is usually in the structure.
We help you choose between interest-only and principal and interest, fixed and variable, and split loans, based on your goals.
The equity in your home or existing investments may be enough to fund your next deposit. We show you what is available.
Investor policies and rates differ widely. We compare over 50 lenders to find one that suits your strategy.
New South Wales offers a deep and varied property market, from Sydney apartments to regional growth areas in Newcastle and Wollongong. Our brokers understand how lenders view different locations and property types.
We do all the heavy lifting, structuring your loan, comparing over 50 lenders, and liaising with them on your behalf from application to settlement.
Investors across Parramatta, Chatswood, and the wider state trust Lydian to find lending tailored to their circumstances. Let's explore your options together.
Many lenders look for a deposit of around 10 to 20 percent for an investment property, though this varies with your situation and the lender. You may also be able to use equity in an existing property instead of a cash deposit. We will assess your position and explain what is realistic.
Both have a place, and the right choice depends on your cash flow and your strategy. Interest-only can keep repayments lower during a set period, while principal and interest builds equity from the start. We will model both so you can decide with the numbers in front of you.
Often, yes. If your property has grown in value, you may be able to access that equity to fund a deposit on an investment, without dipping into your savings. We will assess how much equity is usable and how it fits your plans.
Lenders assess your income, existing commitments, the expected rental income, and your overall serviceability. Each lender weighs these differently, which is why the right match matters. We will liaise with lenders on your behalf to present your application well.
No. We are mortgage brokers, not tax or financial advisers, so for questions about tax, negative gearing, or depreciation we will refer you to a qualified professional. Our role is to structure your lending to support your investment goals.
Serving clients across Australia.
Authorised Representative no. 525 778
Specialist Financial Group Australian Credit Licence no. 387025
Lydian Financial Services New South Wales
Phone: 0413 609 349
Email: contactus@lydian.com.au
Copyright © LYDIAN FINANCIAL SERVICES PTY LTD 2026. All Right Reserved.