Investment Property Loans

An investment property is a great way to achieve your life’s goals. And bricks and mortar are so reassuringly tangible.

Our advice will ensure you get the right loan equipped with the right features to ensure that you fully benefit from your decision. Even though recent market changes have made obtaining finance for an investment property a little bit harder than it used to, we make it our business to keep abreast of any regulatory changes so you can make well informed decisions and be comfortable with your choice. We might even be able to secure your investment loan at owner occupied interest rates saving you thousands.

We can also arrange residential finance under company and trust names and within self managed superannuation funds.


FAQ’s

We know you have lots of questions. So, we’ve provided answers to the most common ones here.

What is Equity?

The difference between the value of your property and the amount you owe on your home loan. Market conditions can favourably increase you property value opening up options for you to invest or refinance at a better rate.

Can I use Equity from another property?

Yes, you certainly can but this will depend on the lender, the type of property and availability of that equity. We will need to do a quick assessment and valuation to see if you qualify.

Will Rental income help me buy?

Rental income will be taken into account when analysing your ability to service the debt, in general it is not usually the full 100% figure but more around the 80% mark, however each banks policy is different and we will ensure to find the best loan fit for you.

Should I have an Offset Account when investing?

This really depends how you intend to use the property in the long term but this is a great way to minimise your interest repayments. There are lots of options available, but it is advisable to speak to an accountant to find out any tax implications before you start the process.

What is a Cash Out?

This is an option for those people looking to increase their loan amount by drawing on existing equity in the property. This type of feature is often utilised by people looking to fund a renovation or buy another property.

What is Negative Gearing?

Negative gearing refers to the loss associated with property ownership relative to the income earned. For example if the interest expense on your investment property is higher that then the income produced in rent your property would be considered negatively geared.

Is there a difference between my existing Home Loan and an Investment Loan?

In terms of its functionality not really. Investment loans can be equipped with the same features as your normal home loan. Its difference will typically be found in the higher interest rate charged and larger upfront deposit or equity requirement at set up.