Investment Loans

When is the best time to buy an investment property? That depends mostly on one thing – cash flow. This will determine if now is the right time for you to buy an investment property.

Before you think about the when, it’s also wise to think about the why. Why do you want to buy an investment property? Interest rates are at historical lows right now but where will they be in two years, five years, twenty years? Are you considering taking advantage of a short-term change for long term gain? At Rising Tide Financial Services, our planners will work with you to understand your position and help you determine the why and whether then the when is now or later.

If you are planning an early retirement, buying an investment property might provide you with extra income to enjoy your retirement.

If you are taking advantage of a financial windfall or a change in your income, talk to us to see if now is the right time for you.

Do you have enough equity in your current property and can you manage the cash flow for extra monthly payments? We can look at how much equity you have or how much cash you need to sustain the investment mortgage over the longer term to make the investment viable.

It’s also important to understand the market. You generally don’t lose or make money until you sell and it important not to have to sell a property under duress. Are you set up if your circumstances change, an extra stream of income is taken away, something happens to the investment requiring extra money, or other similar changes happen?

Our Rising Tide Financial Services team have a wealth of experience and can ask you the right questions – around where you are wanting to buy and what you can realistically afford, address your current equity and understand your cash flow, help you to pick the right type of mortgage to suit your circumstances and take a long term view of your financial position to assess and potentially mitigate any risks.

We can advise on negative gearing and of this can work for you as well as understanding the market dynamics. Think of us as a guide, helping you to map a path to your financial freedom and wellbeing. Knowing exactly what you are getting in to can be the difference in successful investment or not.

We strongly recommend you seek out financial advice from a trusted and qualified financial professional who will be able to devise an investment strategy tailored to your unique needs so that you can feel confident about making investment decisions.

Success Stories

  • Photo of Nick Graham

    Nick Graham

    Former Australian rules footballer Nick Graham discusses his Rising Tide journey. Read Nick's full story

    Play Video
  • Photo of Lyn & Geoff

    Lyn & Geoff

    On reflect 12 months later we are so grateful we had the insurance and the support of Matt... Read Lyn's full story

  • Photo of Sam Rowe

    Sam Rowe

    Former Professional Australian Rules Footballer, Carlton Football Club

    I was lucky enough to meet Matt Hale at a club function. I decided to go in to meet the team and it just felt like a perfect fit. Read Sam's full story

  • Photo of Kane Baker & Rebekah Elmaloglou

    Kane Baker & Rebekah Elmaloglou

    We knew we wanted to put our money to good use, but we didn’t know too much about how to get started, so we sought help from the team at Rising Tide Financial Services. Read Kane's full story

  • Photo of Ben O’Neill

    Ben O’Neill

    I’ve learned so much from working with the team at Rising Tide. They helped me to understand and organise my finances, helped me to put a strategy in place to work towards buying my first home. Read Ben's full story

  • Photo of Tim & Vesa

    Tim & Vesa

    Friends of ours had recommended that we get in touch with Rising Tide Financial Services...Little did we know, it would turn out to be one of the best decisions we’ve ever made! Read Tim's full story

  • Photo of Anthony De Leo

    Anthony De Leo

    Sales Manager, Audio Visual Revolution Pty Ltd

    Having income protection, it’s obviously important in case things go wrong, you’ve got some back up. Read Anthony's full story

  • Photo of Alistair Tubb

    Alistair Tubb

    We’ve managed to get into a home that would allow us to grow which is great. They tied it all in together and it made sense to have a one-stop-shop. Read Alistair's full story

  • Photo of Fenella Wagener

    Fenella Wagener

    PR and Media Manager, Universal Music

    They helped us work out what are our expenses, and how much money can we save a month, and it’s crazy to think how much you can be saving a month! Read Fenella's full story

  • Photo of Trish Curtis

    Trish Curtis

    Self-employed bookkeeper

    Right from the outset, Ali was so easy to work with. There just wasn’t the pressure I had experienced when working with other advisers. Read Trish's full story

  • Photo of Peta Currie

    Peta Currie

    Single parent

    While it’s fantastic to receive the income, I know that all of the paperwork can be really challenging for some people, and Matt has been a fantastic help. Read Peta's full story

More Success Stories


  • Ed Curnow

    Since catching up with Matt, Tom & the team at Rising Tide, both Emily & I feel like we’ve had a chance to get our financial lives in order.

  • Amanda Vallis

    Great team! Braden was especially helpful in getting my finances sorted for my business.

  • Shae Thomas

    Highly recommend the Rising Tide team - friendly, honest guys who have helped me make my financial dreams come to life. Also, they have a bar in their office, which is, you know, great.

  • Bradley Clarke

    Felt 100% care and commitment to my needs. Always highly responsive to requests for information and support. A+

More Testimonials