- Accountants
- Updated
• 5 min read
Investment Loans For Accountants
Accountants often have a strong understanding of tax and investment strategy, which can inform their property investment decisions. However, the lending assessment still depends on income structure, existing debts and lender policy.
Quick Answer
Accountants can access investment loans. Trust income, company income, existing debt and entity structure all affect the assessment. The right lender and loan structure are important considerations.
Key Considerations For Accountant Investors
✓ Income structure — PAYG, trust, company or partnership income
✓ Existing business or practice debt — counted in personal serviceability
✓ Loan structure — interest-only vs principal and interest
✓ Rental income shading — most lenders use 70–80% of rental income
✓ Future borrowing capacity — how investment debt affects further lending
Free Guide
Professional Lending Guide
Frequently Asked Questions
Can trust income be used for investment loan assessment?
Yes, subject to lender policy and two years of trust financials typically.
Can accountants get interest-only investment loans?
Yes, subject to lender policy and serviceability.
Accountant Investment Lending Complexity
Accountants with trust, company or self-employed income face a more complex investment lending assessment than PAYG borrowers. Each income type requires different documentation and is treated differently by lenders.
What Lenders May Look At
✓ Trust or company income — financials, tax returns, deed if applicable
✓ Rental income shading — 70–80% typically used
✓ Practice or business debts — counted in personal serviceability
✓ Existing investment loans and their servicing
✓ Assessment rate buffer applied by lender
✓ Loan purpose split — owner-occupied vs investment
TStructuring Investment Loans For Accountants
Accountants are often aware of tax implications of investment loan structures — offset against investment vs owner-occupied, IO vs P&I treatment, loan purpose clarity. Getting the structure right from the start protects both borrowing capacity and tax position.
Common Mistakes Accountant Investors Make
✗ Cross-collateralising home and investment loan — complicates future restructuring
✗ Mixing loan purposes — affects tax deductibility and future lending
✗ Not considering how each new investment loan reduces future borrowing capacity
✗ Choosing lenders based on rate only without considering investment policy flexibility
Can trust income be used for investment loans?
Yes, with 2 years of trust financials and consistent distributions.
Should I use IO or P&I for investment loans?
This depends on cash flow, tax position and strategy — there is no universal answer.
Review Accountant Investment Lending
We assess income structure and lender options for accountant investors.
General information only. Lending eligibility, LMI waiver policies, rates and approval outcomes vary by lender and are subject to assessment.
Review Accountant Investment Lending
We assess income structure and lender options for accountant investors.
General information only. Lending outcomes vary by lender and individual circumstances.
Written by: Simpli Finance Lending Team · Reviewed by: [Broker Name], Mortgage Broker · Last updated: June 2026