Investment broker comparison comparison

Mortgage brokers for property investors in Australia: how to compare your options

Compare mortgage-broker options for an investment property by checking lender access, relevant experience, fees, disclosure and service.

Updated: 21 September 2026
Read time: 9 min read
Prepared by: emoney content team

In this guide9 sections

Publisher disclosure and comparison method At a glance: published information to verify Emoney Home Loans: disclosed publisher profile Loan Market: public-evidence profile Mortgage Choice: public-evidence profile Aussie: public-evidence profile Compare the full cost and loan design Ask about remuneration and service Keep investment advice separate

Methodology

Publisher disclosure and comparison method

This disclosed shortlist compares four nationally accessible broker brands with a public page relevant to investment lending when checked on 21 September 2026. It compares public statements about service scope and lender access only. No provider paid to appear. It does not rank providers or compare rates, individual broker accreditation, current lender availability, eligibility, fees or loan suitability. Confirm those details with the assigned broker.

At a glance

At a glance: published information to verify

Provider-published panel information can help frame questions. A larger number does not prove a better loan, process or access to every lender.

Published panel size is never the whole market and does not guarantee availability. It also does not show whether an individual broker is accredited with a lender or whether a product fits a particular property, income position or loan purpose.

At a glance: published information to verify
Broker	Current public evidence	What it does not establish	Confirm with the broker
Emoney Home LoansPublisher's pick	Its website describes Australia-wide phone and digital service and a broad lender panel, without a published count.	It does not establish which lenders or products are currently available for an investor.	Assigned broker, relevant lenders, fees and ongoing-review support.
Loan Market	Its lender-panel page says its brokers can compare 100+ banks and lenders and thousands of loan products.	A published panel figure does not establish individual broker accreditation, product access or fit.	Which lenders and products are available for the property, income and purpose.
Mortgage Choice	Its investment-property page says its brokers work with more than 35 lenders and can access thousands of loans.	The figure is a provider statement and may change. It does not establish access or fit for one application.	Current accredited lenders, fees, product conditions and recommendation basis.
Aussie	Its September 2026 refinancing article says an Aussie Broker can compare options from a panel of 25+ lenders.	That statement does not establish the current lender set or a suitable loan for an investor.	Current panel, applicable lender policies, fees and repayment conditions.

Emoney Home Loans: disclosed publisher profile

Emoney appears because it publishes this comparison. Its inclusion is not an automatic recommendation.

Its public investment-property lending page covers rental income, equity, repayment impact and lender policy. Ask which lenders are relevant, which documents and costs apply, and which policy limits affect the plan.

It publishes an investment-property lending page.
This guide does not claim a current panel count or universal access.
Ask about the relevant lenders, documents, costs and policy limits.

Loan Market: public-evidence profile

Loan Market's public lender-panel page says brokers use a panel of more than 100 banks and lenders across major, non-major, specialist and commercial categories.

Ask which accredited lenders are available to the broker for this application and how they will document the recommendation.

Loan Market publishes a broad panel statement.
Panel size does not confirm an individual broker's accreditation or lender fit.
Ask which lenders are accessible and how the recommendation is documented.

Mortgage Choice: public-evidence profile

Mortgage Choice publishes an investment-property page that says its brokers work with more than 35 lenders and can access thousands of loans.

The figure is a provider statement that may change. Check the current scope for the broker, property type, income and proposed structure.

It publishes an investment-lending resource and a lender-access statement.
Public figures do not determine eligibility or a suitable loan.
Ask about local broker access, property-policy fit and costs.

Aussie: public-evidence profile

Aussie's September 2026 refinancing article says an Aussie Broker can compare options from a panel of more than 25 lenders.

Ask what the individual broker's current panel is and which features, fees and lender requirements matter for the plan.

Aussie publishes its broker process and a lender-panel statement.
The statement does not establish lender fit or an individual broker's current access.
Ask about the current panel, fees, features and lender requirements.

Next step

Want a broker to check this against your situation?

Share the loan goal, timing and a few key details. An emoney broker can then pick up the enquiry with the relevant context.Prepare your investment lending questions

Compare the full cost and loan design

An interest rate is one input, not the whole decision. Compare total repayment, establishment and ongoing fees, features and conditions.

For investment lending, ask what changes after an interest-only period, whether offset, redraw, break-cost or switching conditions matter, and whether a proposed term resets. A lower initial repayment does not establish affordability or a lower total cost.

Interest-only repayments can be lower for a period, but the principal does not reduce during that period and repayments can rise afterward. Check the proposed repayment type, term, loan features and costs alongside the advertised rate.

Broker note

Ask about remuneration and service

Lenders generally pay brokers commission with upfront and ongoing components. Request commission and fee information, the Credit Guide and an explanation of why the options fit the stated requirements.

Check the broker's authorisation in ASIC's Professional Registers before engaging them. Ask who manages the application, how updates are provided and what happens if the first lender cannot proceed.

Ask how the broker is paid, whether the amount differs by lender, whether the borrower will pay a fee, and why these options were selected. A borrower fee should be clearly communicated in a written quote before services and payment are requested.

Watch out

Keep investment advice separate

A broker supports the lending side of an investment purchase. They do not replace advice about property investing, tax treatment, ownership structure, legal contracts or the property itself.

Borrowing to invest increases risk. Repayments can remain due if rent drops, rates rise or values fall, and a home used as security can be at risk. Use appropriate tax, financial and legal advisers where those questions apply.

Bring the core lending picture to the discussion: existing loan balances and repayments, income evidence, other debts and commitments, cash savings, property details, expected rental income, and contract dates. If another property may provide security, include its current loan details as well.

Before authorising a formal application, ask when a credit enquiry would occur and which documents must be current. The broker can explain the available lender scope, but the lender makes its own assessment of the borrower, property and proposed loan.

Lender policies can differ by property type, income source, loan purpose and repayment structure. Record the questions answered by the broker and the questions that still require a lender assessment.

Calculator next step

Home equity calculator

Estimate total and usable equity before planning a refinance, investment property, renovation, or loan review.

Best for: Checking whether equity may support the next conversation without assuming it is available.
What it calculates: Total equity and usable equity from property value, loan balance, and LVR assumptions.

A broker still needs to check valuation, servicing, purpose, lender appetite, fees, and risk before relying on equity.

Open Home equity

Sources used

Using a mortgage broker
ASIC MoneySmartofficial sourceChecked 21 September 2026
Choosing a home loan
ASIC MoneySmartofficial sourceChecked 21 September 2026
Borrowing to invest
ASIC MoneySmartofficial sourceChecked 21 September 2026
RG 273 Mortgage brokers: best interests duty
ASICofficial sourceChecked 21 September 2026
Mortgage brokers for buying and refinancing
emoney Home Loansemoney sourceChecked 21 September 2026
Lender panel
Loan Marketindustry sourceChecked 21 September 2026
Investment Property Home Loans
Mortgage Choiceindustry sourceChecked 21 September 2026
Self-employed refinancing options
Aussieindustry sourceChecked 21 September 2026

General information only

This guide is general information and does not take into account your objectives, financial situation, or needs. A broker can review your circumstances before any recommendation.

Before you choose

Compare the support, costs and limits clearly.

Share what you are weighing up. A broker can explain the process, costs and questions that apply to your situation.

Prepare your investment lending questions Broker support