Investment Home Loan
Investment loan expertise to guide your investment property portfolio.
When you want to buy an investment property, we first need to consider what your current financial situation is. It is highly likely that you already have a current home loan and some equity in your home which you want to access to buy your investment property.
Our tried-and-tested approach to getting the best investment property loan is one of the key reasons people choose us. We will review a range of different lenders on your behalf, to see who will be the most suitable (often it is not your current bank).
One of the factors we are looking at is a good property valuation, and these do vary significantly across lenders. This will give you access to more equity, and the option to spend more on an investment property. It may also mean that you can reduce the lenders’ mortgage insurance (LMI) payable, and also, you could get a lower interest rate.
We will guide you through from the start, to a successful outcome when your loan settles. We have long term relationships with all major lenders and with our expertise in banking policy, you can feel confident we have a good chance of getting your loans approved.
Best of all, we don’t charge you a fee to use our service as we are paid by the lender when your home loan settles.
Top 5 tips for taking out an investment property loan
Make sure your current home loan is optimally set up (you may need to refinance this first).
Consider a range of lenders to ensure you get a good property valuation.
Consider having different offset accounts for each investment property so you can easily track your income and expenses for each.
Make sure you understand the pros and cons of both types of repayments: principle and interest versus interest only.
Avoid cross-collateralising any of your loans (i.e. don’t link any of your properties together when applying for loans).
Step by step guide to buying an investment property
Here’s our simple process to get a loan for your investment property.
2. Home loan application to refinance your current home
Once we understand what you want to achieve, we will look at different lending options for you. The team may organise property valuations with different lenders on your behalf. You will need to complete our simple online Fact Find and upload your paperwork so we can review your situation and research the loan options for you.
3. Getting your refinance approved
4. Settlement for the refinancing loan
5. Making an offer on an investment property
6. Loan application for the investment property submitted & approved
7. Settlement for the investment property loan
What our clients have to say.
Viktor was extremely professional and knew what he was talking about. He offers great service for everyone and tells you the honest truth. He tells you what you need to hear and will keep you in track to reaching your goals. Honest, professional and knows-it-all.
Victor was absolutely fantastic and we could not have asked for a better mortgage broker. He was very professional and so helpful every step of the way from first meeting up until everything was settled. Victor made sure everything was as easy for us as possible. Victor definitely had our best interests and goals at the forefront. Absolutely deserves 5 stars!
Victor was so helpful and patient with us when buying our first home. No question was stupid, he responded to emails/texts promptly, after hours appointments weren’t a problem. Would definitely recommend him.
Looking for guidance before you get started?
What is Rentvesting? Rentvesting is where you buy an investment property while continuing to rent the home you live in. It’s a...
How to buy an investment property using your equity. Equity is powerful, how do I maximise its potential? With the...
So, you want to jump in and buy your first investment property, but have no deposit saved? Well, I am very happy to share that...