Whether you’re buying your first investment property or adding to your portfolio, the right loan structure matters just as much as the rate. We’ll help you understand your borrowing power, make the most of your existing equity, and structure your loan to support your long-term goals.
Investment loan rates are often a little higher than rates for a home you live in, so comparing lenders matters even more.
Many lenders let investors pay interest only for a set period. That lowers repayments for now, but you pay more interest over the life of the loan.
Lenders count expected rent towards your borrowing power, but usually only part of it, to allow for vacancies and costs.
If you own a home, the equity in it can often cover your deposit and costs, so you may not need to save a separate cash deposit.
Investors often keep the loan for an investment property separate from the loan on the home they live in. It keeps things clear for tax time and makes it easier to see how each property is performing.
An offset account on your home loan, rather than paying extra off it, can also keep your options open. We'll walk you through the set-ups that suit your plans.
We're not tax advisers, so we'll always suggest you check the tax side with your accountant before you commit.
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Including your income, any equity you have and the expected rent.
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Loan splits, offset accounts, and interest-only or principal-and-interest.
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So you can make offers or bid at auction with a clear budget.
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We get you to settlement, then check in as your portfolio grows.
Many lenders want around 20% to avoid lenders mortgage insurance, plus enough to cover stamp duty and costs. Some will lend with a smaller deposit if you pay mortgage insurance.
Often, yes. If your home is worth more than you owe, a lender may let you borrow against that difference to fund the deposit and costs on an investment.
Interest-only gives lower repayments now but doesn't reduce the loan. Principal and interest builds equity. The right choice depends on your plans, and we'll talk it through with you.
Yes. Our brokers work by phone and video and our lenders lend Australia-wide, so you can invest wherever the numbers make sense.
This information is general in nature and doesn't take into account your objectives, financial situation or needs. It isn't tax advice; speak to your accountant about tax. All loans are subject to lender approval, and terms, conditions, fees and charges apply.
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