Maximise your portfolio’s potential with high-leverage commercial debt. Clopton Capital provides Australia-wide investment property loans for residential portfolios, multi-tenant commercial assets, and specialized vacation rental projects.
In recent times, real estate has remained the cornerstone of wealth creation for Australians. An investment property loan is a financing vehicle specifically designed for assets that are not owner-occupied. These loans are structured to allow the rental income generated by the property to service the debt, often utilizing a DSCR (Debt Service Coverage Ratio) model.
Whether you are looking for a commercial investment property loan for a retail strip or specialized rental property financing for a residential portfolio, our role is to navigate the complex Australian lending landscape—matching you with banks, private credit, or institutional lenders that offer the best execution certainty.
In the current market landscape, the Australian property market is shaped by tight supply and high rental demand. Investing with the right leverage offers several strategic advantages:
Negative Gearing & Tax Benefits: In Australia, if your investment expenses (including loan interest) exceed your rental income, you may be able to offset this loss against your other taxable income.
Capital Growth: Historically, Australian metropolitan markets have shown strong long-term capital appreciation, allowing investors to build significant equity.
Net Leases (Commercial): Many commercial investment properties utilize “Net Leases” where the tenant pays for outgoings like rates, insurance, and maintenance, protecting the landlord’s yield.
Diversification: Real estate provides a tangible hedge against the volatility of the ASX and other financial markets.
We offer a range of structures to suit various investment horizons:
DSCR Investment Loans: Loans where approval is primarily based on the property’s cash flow rather than the borrower’s personal tax returns.
SMSF Property Loans (LRBA): Limited Recourse Borrowing Arrangements for those looking to invest in property via their Self-Managed Super Fund.
Portfolio Blanket Loans: Combine multiple properties under a single loan facility for easier management and potential rate discounts.
Bridge-to-Perm: Short-term funding to “stabilise” a property (renovations or re-leasing) before moving into long-term institutional debt.
Lending terms for Australian investment properties vary significantly between residential and commercial assets.
| Feature | Commercial Investment | Residential Investment |
| Typical LVR | 60% – 70% | 70% – 80%+ |
| Interest Type | Margin over BBSW / Fixed | Variable / Fixed |
| Loan Term | 2 to 10+ years | Up to 30 years |
| Repayment | Often Interest-Only periods | P&I or Interest-Only |
To receive a customized term sheet within 24–72 hours, please provide:
Property Details: Address, type (Residential/Commercial/Mixed-use), and condition.
Income Verification: Current lease agreements, rent roll, or a formal rental appraisal.
Entity Structure: Are you borrowing as an individual, through a Company, or via a Discretionary Trust?
Strategy: Are you holding for long-term yield or executing a “Value-Add” renovation?
As of early 2026, rates are influenced by the RBA cash rate and lender appetite. Strong commercial deals often price at a margin over the BBSW (Bank Bill Swap Rate), while residential investment rates typically sit slightly higher than owner-occupier rates.
Most Australian residential loans are Recourse, meaning the lender can pursue your other assets if the property sale doesn’t cover the debt. Non-Recourse is more common in large-scale commercial lending, where the lender’s security is limited solely to the property itself.
Yes. Student accommodation is a specialized asset class in Australia. Lenders treat these as commercial investments, requiring a more detailed analysis of the management agreement and proximity to major universities.
No. Unlike some retail banks that cap the number of properties you can hold, we work with institutional lenders that welcome large, diversified portfolios across multiple Australian states.
