Monthly Cash-back
100% of our trailing commission will be credited to your loan every month*, reducing your effective investment mortgage rate over time.
* for loans settled through our aggregator Finsure.
Compare investment mortgage rates from 45+ lenders and earn monthly cash back for the life of your loan.
Whether you are buying an investment property as a private investor or through a self-managed super fund, company or trust, Mates Rates Mortgage Brokers compares investment loan rates across 45+ lenders and credits 100% of our trailing commissions back to your loan as monthly cash back. Same rates as the lender. No broker fees. A smarter way to build your property portfolio.
$14M+
Cash-back paid to borrowers
45+
Lenders compared
Since 2005
Australia’s original & best cash-back broker
SMSF Self Employed, Company & Trust loans and investor property loans are used to purchase investment property rather than a primary residence, but they work very differently and come with separate rules, restrictions, and tax implications.
All returns, including rental income and capital gains, must be returned to the super fund. The property cannot be purchased from, lived in, or rented to a fund member or their related parties, unless it is a commercial premises leased at market rate for business use. Loans are structured as limited recourse borrowing arrangements (LRBAs).
No restrictions on who can rent the property. Can be used for land, houses, apartments, or commercial property. Rental income goes directly to the investor. Generally, more lenders are available and more flexible lending criteria than SMSF loans.
With a Mates Rates investment loan or SMSF loan it is the same loan from the same lender at the same interest rate with all the same features. The only difference is we pay cash back to your loan account every single month.
100% of our trailing commission will be credited to your loan every month*, reducing your effective investment mortgage rate over time.
* for loans settled through our aggregator Finsure.
Our fee comes from the lender’s upfront commission. You pay nothing extra for our broking service.
Our Lender Commission Leveller ensures no lender is excluded. You always get the most competitive investment loan rate available.
You receive the same interest rate you would get by going directly to the bank, plus monthly cash back.
Our brokers understand the complexity of SMSF lending and investment loans and guide you through every step at no cost.
We search across banks and non-bank lenders, including those that specialise in SMSF and investment lending.
From first enquiry to settlement, a Mates Rates broker manages every step on your behalf.
1
We start with a call to understand your investment goals, whether you are buying as a private investor or through an SMSF, your deposit or equity position, and your borrowing capacity.
2
We compare investment mortgage rates across 45+ lenders, factoring in fees, LRBA requirements if applicable, and the monthly Mates Rates cash-back credit to find your best effective rate.
3
We prepare and lodge your application, coordinate any SMSF documentation requirements, and manage the process through to formal approval.
4
Your loan settles, and your monthly cash-back credits begin, reducing the effective cost of your investment loan from day one.
We arrange cash-back investment loans across every major loan type available in Australia:
Yes, in many cases, you can use equity in your existing property as a deposit for an investment loan. The amount available depends on your current property value, your outstanding loan balance, and the lender’s LVR requirements. Using equity avoids the need for cash savings as a deposit and can accelerate your ability to enter the investment market. A Mates Rates broker will assess your equity position and identify the best structure for your circumstances.
A limited recourse borrowing arrangement (LRBA) is the legal structure used when an SMSF trustee borrows money from a lender to purchase an asset held in a separate trust. It is the only way an SMSF can borrow to invest in residential or commercial property. The limited recourse aspect means that if the loan defaults, the lender can only claim against the asset held in the bare trust, not the other assets of the SMSF. LRBAs come with strict conditions, and not all lenders offer them.
Most lenders require a loan-to-value ratio (LVR) of 80% for a residential investment property, meaning you need a minimum 20% deposit. Some lenders will go higher, but this typically triggers lender’s mortgage insurance (LMI). SMSF loans generally require a larger deposit, often 20% to 30%, depending on the lender and property type. A Mates Rates broker will identify which lenders offer the most competitive deposit requirements for your situation.
Yes, in many cases, you can use equity in your existing property as a deposit for an investment loan. The amount available depends on your current property value, your outstanding loan balance, and the lender’s LVR requirements. Using equity avoids the need for cash savings as a deposit and can accelerate your ability to enter the investment market. A Mates Rates broker will assess your equity position and identify the best structure for your circumstances.
Yes, investment loan rates are typically higher than owner-occupied rates because lenders view investment lending as higher risk. The gap is usually between 0.20% and 0.60% per annum, depending on the lender and loan type. This makes the Mates Rates monthly cash-back credit particularly valuable for investment loans, as it directly offsets the higher rate and reduces your effective investment mortgage rate over the life of the loan.
The key SMSF lending rules are that the property must be purchased for the sole purpose of providing retirement benefits to fund members, the loan must be structured as an LRBA, the property is held in a separate bare trust until the loan is repaid, residential property cannot be leased to a fund member or their relatives, and all rental income and capital gains must be returned to the fund. Your SMSF must also have a trust deed that permits borrowing. A Mates Rates broker will work through these requirements with you.
Book a free call with a Mates Rates broker to discuss your investment strategy. We handle the comparison, application, and paperwork at no cost to you, and you earn cash back every month for the life of your loan.
Yes, in many cases, you can use equity in your existing property as a deposit for an investment loan. The amount available depends on your current property value, your outstanding loan balance, and the lender’s LVR requirements. Using equity avoids the need for cash savings as a deposit and can accelerate your ability to enter the investment market. A Mates Rates broker will assess your equity position and identify the best structure for your circumstances.
A limited recourse borrowing arrangement (LRBA) is the legal structure used when an SMSF trustee borrows money from a lender to purchase an asset held in a separate trust. It is the only way an SMSF can borrow to invest in residential or commercial property. The limited recourse aspect means that if the loan defaults, the lender can only claim against the asset held in the bare trust, not the other assets of the SMSF. LRBAs come with strict conditions, and not all lenders offer them.
Most lenders require a loan-to-value ratio (LVR) of 80% for a residential investment property, meaning you need a minimum 20% deposit. Some lenders will go higher, but this typically triggers lender’s mortgage insurance (LMI). SMSF loans generally require a larger deposit, often 20% to 30%, depending on the lender and property type. A Mates Rates broker will identify which lenders offer the most competitive deposit requirements for your situation.
Yes, in many cases, you can use equity in your existing property as a deposit for an investment loan. The amount available depends on your current property value, your outstanding loan balance, and the lender’s LVR requirements. Using equity avoids the need for cash savings as a deposit and can accelerate your ability to enter the investment market. A Mates Rates broker will assess your equity position and identify the best structure for your circumstances.
Yes, investment loan rates are typically higher than owner-occupied rates because lenders view investment lending as higher risk. The gap is usually between 0.20% and 0.60% per annum, depending on the lender and loan type. This makes the Mates Rates monthly cash-back credit particularly valuable for investment loans, as it directly offsets the higher rate and reduces your effective investment mortgage rate over the life of the loan.
The key SMSF lending rules are that the property must be purchased for the sole purpose of providing retirement benefits to fund members, the loan must be structured as an LRBA, the property is held in a separate bare trust until the loan is repaid, residential property cannot be leased to a fund member or their relatives, and all rental income and capital gains must be returned to the fund. Your SMSF must also have a trust deed that permits borrowing. A Mates Rates broker will work through these requirements with you.
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