Investment loan advice built around your long-term strategy.

Clear, strategic home loan guidance for property investors who value flexibility and control.

Property investment can be a powerful way to build long-term wealth — but only if the loan structure actually supports your strategy.
A poorly structured loan can limit your borrowing power, reduce flexibility, and cost you far more over time than a slightly higher interest rate.
At Extra Mile, we help property investors make informed, forward-looking lending decisions — not just secure approvals.

Why property investors choose Extra Mile

Why loan structure matters for investors

For property investors, the way a loan is structured can be just as important as the property itself. Loan features, repayment types, offsets, equity access and lender policies all affect how easily you can grow or adjust your portfolio over time. Decisions made for one purchase can directly impact your borrowing power and flexibility for the next. We help you understand these trade-offs clearly, so your loan works as a tool for growth — not a constraint.

Big decisions. Real guidance. Real outcomes.

What clients say after going through the process with Extra Mile.

How investment lending works

Step 1 - Understand your investment strategy

We take the time to understand what you’re aiming to achieve — whether that’s cash flow, capital growth, tax efficiency, or future acquisitions.

Step 2 - Structure the loan correctly

We assess lenders, loan features and structures to ensure your loan supports your strategy today while keeping options open for the future.

Step 3 - Apply and plan ahead

We manage the application process and help you think beyond the current purchase, so today’s decisions don’t limit tomorrow’s opportunities.

Thinking about investing — or already investing?

Investment lending is about more than getting approved.

We help you make strategic decisions so your loan supports long-term growth — not just the next purchase.

What you’ll typically need

Requirements vary depending on your situation and the lender, but most investment loan applications involve:

We’ll guide you through what’s required and when.

Ready to make smarter investment decisions?

Book a free, no-obligation investment loan review and get clarity on whether your current or planned structure supports your long-term goals.

All loans are subject to lender approval and eligibility criteria. Fees and charges may apply.

Frequently asked questions

Is an investment loan different from an owner-occupied loan?

Yes. Investment loans have different rates, lending criteria and structural considerations. Choosing the right setup is just as important as choosing the lender.

Can you help if I already own investment property?

Absolutely. We regularly review existing investment loans and help restructure them where it makes strategic sense.

Do you work with investors long term?

Yes. Many of our clients work with us across multiple purchases and refinances. Our role is to help ensure each decision supports future flexibility and growth.

Contact us

Our Adelaide office

We’re based in Adelaide and support clients across South Australia and Australia-wide.

Investment loan advice built around your long-term strategy. ​