Looking to invest in property?

A favoured way of building wealth in Australia is through investment property. Those looking to get their foot on the property ladder, or wanting to expand their property portfolio, are taking advantage of historically low interest rates in order to grow their real estate holdings and increase their wealth.

However, whilst interest rates are low, there have been changes to the lending landscape which all investors should be aware of before entering the market. The biggest change in recent years is the differentiation between owner occupied loans and investment loans.

It’s now more common to find investment loans priced with a higher interest rate than an owner occupied loan. This is due to restrictions placed on investment loans to give first home buyers and new home buyers a better chance to buy a property. Furthermore, lenders are now restricting the amount of investor loans they provide, causing many borrowers to be knocked back before they can start enquiring about a loan.

Seems pretty bleak? This is where we can help. If you are getting knocked back by your bank or just want a lower interest rate on your current loan, talk to us. We deal with around 50 lenders to find our clients the ideal loan for their individual requirements.

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Stress-free loan process

Here are a few things that can help make your investment loan process stress-free:

Good credit rating

Lenders like to see that you are making all your existing payments on time, such as existing loan repayments, phone bills, utility bills, credit card bills, etc.

Have your documents ready

Be as ready as you can be by filing all your electronic or hard copy bills. Having your documentation all together will speed up your application process.

Using existing equity

Do you have existing equity? For many, using existing equity as a deposit for their investment property is a popular option for first time investors.

Speak to a broker

Contact Us

Our team will help you search, choose and settle your loan. Chat to one of our loan specialists at a time that suits you.

General Enquiries
0478 417 425

 

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