Investment Loans
Build wealth with the right investment loan.
Smart structure. Better cash flow. Strategy that grows with you.
Strategic Investment Property Finance for Long-Term Growth
Smart structure, sharp strategy, and tailored support — whether it’s your first investment or your fifth.
Whether you're buying your first investment property or expanding an established portfolio, we'll help you structure your loan for long-term success.
Investment lending isn’t just about rate — it’s about cash flow, tax planning, and setting yourself up for your next move. We’ll guide you through interest-only vs P&I, offset accounts, cross-collateralisation, and more.
Have an accountant? We’ll work with them to make sure your finance strategy aligns with your goals — and the numbers stack up.
More loans. More choice.
We compare hundreds of options across 50+ lenders — including the big banks, credit unions, and smaller specialists — to help you find the right loan now, and down the track.
Absolute Fantastic
Pat and the team at OGMA Finance were absolutely fantastic to work with. From start to finish, they made the entire mortgage process smooth and stress-free. Pat's attention to detail and deep knowledge of the industry really stood out, ensuring we got the best deal possible. The team was always available to answer our questions, providing clear explanations and guidance at every step. I felt confident and well-supported throughout the process. I highly recommend OGMA Finance to anyone looking for a reliable and professional mortgage broker. Thank you, Pat, for making our home buying & refinancing experience so positive!
~ Joshua G.
Meet Patrick Morgan
Director, OGMA Finance
Patrick has spent over a decade in the finance industry and is known for his ability to simplify complex scenarios and go the extra mile for his clients. He takes the time to understand your goals and tailors lending strategies to fit both your short- and long-term needs.
He specialises in owner-occupied and investment lending, and his work has been recognised with multiple national awards:
- 🏆 Finalist – Best Mortgage Broker 2025 (Better Business Awards)
- 🏆 Finalist – Best Finance Broker 2024 (Better Business Awards)
- 🏆 Finalist – Best Mortgage Broker 2024 (Better Business Awards)
- 🥇 Winner – Top Writing Broker 2018 & 2019 (1300 Home Loan)
Frequently Asked Questions
Can I use equity in my current home to invest?
Yes — you may be able to release equity to fund a deposit or cover purchase costs.
Should I choose interest-only or principal & interest?
It depends on your goals. We'll walk you through the pros and cons based on your cash flow, tax position, and strategy.
Can I buy an investment property if I already have a home loan?
Absolutely — we’ll assess your borrowing capacity and help you understand what’s possible.
Do you work with buyers’ agents or property advisers?
Yes — we’re happy to work alongside other professionals to support your investment goals.