Build your property portfolio with the right loan structure
Investment lending is not just about getting approved. It is about structure. Em Bee Finance helps Perth investors choose loans that support cash flow, tax efficiency and long-term plans.
Who this is for
Is this the right conversation to start?
You are buying your first investment property and want the loan structure explained.
You are expanding your portfolio and need a broker who understands investor criteria.
You want to compare interest-only and principal-and-interest options.
You would like to use equity in your home to fund the next purchase.
How it works
Four steps, no surprises.
Define your investment strategy
We talk about your goals: yield, capital growth, long-term hold, or a future development site.
Check your borrowing capacity
We assess your income, equity and existing commitments to find the realistic purchase range.
Match the loan structure
Interest-only, fixed, offset, or split: we recommend the setup that fits your cash-flow plan.
Apply and settle
We coordinate with lenders, valuers and solicitors to keep your purchase on track.
Structure the loan properly and the portfolio takes care of itself.
Em Bee Finance, Perth
The benefits
Why clients choose Em Bee Finance.
Investment lending experience, not just owner-occupied formulas.
Access to lenders who favour investors.
Help structuring equity release and deposit strategies.
Clear explanation of tax and cash-flow implications.
Try the numbers
A quick look at what you might borrow.
Lenders assess your repayments at a higher rate than the one you pay, currently around 3 percentage points above it. This estimate is calculated at 9.24% for that reason, which is why it may look lower than other calculators.
Estimated borrowing power
You may be able to borrow
$899,000
- Maximum purchase price
- $937,000
- Stamp duty (WA)
- $39,371
- Repayment at your rate
- $5,529/mo
- Assumed term
- 30 yrs
This is an estimate only and not credit advice. Actual figures depend on your circumstances and lender criteria. Read the full disclaimer.
Accredited Google Reviews
Perth families who felt heard.
Every review below was left on our Google Business Profile by a real client, and is reproduced word for word.
Read them on Google“I just acquired an investment property using equity. Mool Bhargava guided me in the entire process handling all complexities of my mortgage journey. His knowledge and response about financial matters was simply amazing. I highly recommend him for any mortgage need you may have. Thanks Mool Bhargava.”
1 of 19
FAQ
Common questions
Em Bee Finance, Perth
Ready to talk it over? Book a chat with Mool.
A relaxed first conversation. No pressure, no jargon, just an honest look at your options.
Mool Bhargava
Principal broker · MBA Finance
A Name You Can Trust