Want to invest in your future, using property?
You are in the right place.
Our highly experienced independent mortgage brokers find you finance for your investment property. Professional lending advice, helping you with your property investment.
Property investment australia
When you purchase an investment property in Australia there is a range of things you need to consider. This is why we partner with you, we help you through the investment lending process. Whether you are a seasoned investor or just beginning our team will provide the right advice for your situation. Additionally, our professional alliances are here to give you the advice you need when you need it. Which you are more than welcome to select from our panel of professional services or you select your own.
Get a Property Investment Loan
Our experienced independent mortgage brokers are here to serve you, not the banks. Lenders have complex policies and we use our relationships with our panel of lenders to find the right solution for you.
But, the main reason our clients select is our experience with investment properties, we provide advice on mortgage strategies and leverage your property giving you maximum value and get the most from the lender. We know how to get equity and utilise your assets to best serve your interest and build your property portfolio.
Best of all, our service is complimentary meaning you do not pay a fee to use our service as we are paid by the lender when your loan settles.
Frequently Asked Questions
Leverage in its simplistic form is using the equity (borrowing funds) in a property to purchase another property.
For example, if you have a property valued at $800,000 and you have a loan of $500,000 the equity is $300,000. Due to bank policies and using this scenario, the available equity amount is fair to suggest $140,000 which takes the original property to an LVR of 80% (this can be more or less dependant on your situation).
This is a very important question as there is a range of options available. Again it will depend on your situation and your goals.
- First, you need to consider is can you afford it, be realistic. Everyone has a different tolerance for risk level and you will know yours best. Your mortgage broker will conduct their due diligence but ultimately the decision is yours and you must be comfortable with your decision.
- For a short-term solution, you may consider an interest-only loan, keep in mind in only loans tend to have a higher interest rate and most lenders have a maximum term of around 5 years. However, this may assist with cash flow in the short term.
Also, consider variable versus fixed interest rates loans. Variable loans will fluctuate as it is dependent on the Reserve Bank of Australia’s (RBA) cash rate and will fluctuate accordingly. A fixed-rate loan, however, is a rate locked for a period of 1-5 years, your rate and repayments will remain constant but you may be subject to break costs if you decide to exit early.
Consider it from the lenders perspective, you have a home which you live in and an investment property which you rent. If something unfortunate happens which puts pressure on you financially, which loan are you more likely to default on?
The investment property right, your top priority is maintaining a roof over your head, aka your owner-occupied home.
Lenders factor in this as a risk which typically means investor loans are a higher risk to the lender and in turn is passed onto you through your rates.