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Property Investment

Property Investment Loans


We can help structure a property investment loan with quick approvals and a solution-based credit process.


Xceda’s property investment loans are an attractive option for property investors who are looking for a longer-term solution compared to merely a bridging loan. Ideal for a buy-to-let strategy, or to hold for "land banking".

Lending Rates between


9.95% - 12.95% p.a.*

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* Xceda's lending products are all subject to fixed interest periods of up to 2 years. Our fixed interest rates vary depending on the credit profile of the transaction. All loans are subject to our standard Loan Fees, Terms and Conditions.

Key features of a Property Investment Loan

Frame 149-2

Loan Purpose

To purchase a residential property for investment purposes. This is typically for a longer term, and can include investors who are:

  • buying a property for rental purposes;
  • seeking equity release to undertake renovations or improvements to the property; or
  • land banking over a longer term for future development.


The loans can be provided to individuals, companies or trusts.

Interest rates

From 9.95% to 12.95%. The actual interest rate will depend on the borrower's circumstances and the information verified during the assessment of a loan application.  


Loan Amounts

Loans up to $2,500,000 subject to loan circumstances (e.g. location, eligibility criteria and lending limits).


Repayment Structure


  • Interest Only for the first two years.
  • From years 3 to 10, repayments are on a Principal and Interest basis, amortised over a 30-year period.


Loan Terms

Up to 10 years.


Loan to Value (LVR)

Borrow up to 80% of the property value. LVR's over 70% are subject to available funding and price loading.


Loan Rates, Fees and Terms & Conditions

Xceda's Other Loan Products

Bridge Mortgage Loans

Equity Release Loans

Borrowers Aged Over 55 Loans


★ ★ ★ ★ ★
"This was the first time dealing with Xceda. Good and prompt communication with staff, and no issues regarding my business dealings."

Gerard Bruijl

★ ★ ★ ★ ★
"Quick & easy to deal with, excellent staff make it ALL happen, & take the hassle away from you."

John Donnelly

★ ★ ★ ★ ★
"Great customer service experience and interest rates. Emma is a very good communicator and made the application process easy."


Talk to us today


Call us


Loans & General Enquiries:

  0800 11 22 74


Savings & Deposits:

  0800 11 22 75