Investment Property Loans
Your path to smart financial growth!
We’re here to help you navigate the world of investment loans. Whether you’re looking to invest in property, shares or other income generating opportunities, our team can guide you through the complexities of investment financing.
Beyond securing the loan, we offer ongoing support to adapt your finance strategy as your investment portfolio grows.
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Contact our team for personalised advice and guidance.
Frequently Asked Questions
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Can I use equity from my home for an investment loan?
Yes, you can leverage the equity in your home as security for an investment loan.
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How much deposit do you need for an investment property?
Most lenders require a minimum of 10% plus purchasing costs (e.g. stamp duty, solicitor fees etc.) deposit towards an investment property. If you have less than a 20% deposit, additional costs (lenders mortgage insurance and higher interest rates) may apply. This deposit does not need to be savings you have in an account though. If you own an existing home or investment property we can check to see if you have enough equity available to obtain the deposit for an investment purchase.
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What repayments are required on an investment loan?
There are two common repayment options available for investment loans:
- Interest-only loans: You only pay interest on the loan for a set period (usually 1 to 5 years) after which principal and interest repayments are required for the remainder of the loan term. This loan option usually attracts a higher interest rate and because there is no principal repayments in the first few years will also have a higher overall interest cost than other lending.
- Principal and interest loans: You repay both the loan amount (principal) and interest from the beginning, gradually reducing the loan balance.
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Can I use rental income to qualify for an investment property loan?
Yes, lenders often consider a portion of your projected rental income when assessing your ability to service a loan. However, each lenders policies around how much rental income they will include differ. They will generally only consider 70-90% of the rental appraisal figure to account for potential vacancies and property holding costs.
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