Investment Loans

Looking to purchase a property as an investment? Whether you already own a property, or want to purchase your first as an investment, we’re here to help.

The Investment Loan Process

Whether this is your first investment loan or you’re experienced, familiarize yourself with the steps involved in securing an investment loan.

1. Get In Touch

We can have a chat to establish your unique financial situation and goals. Moving forward, we then send out a ‘Hello Pack’ linked to a safe portal for you to upload all the information that we need to do what we do best; find the most suitable solution for you.

2. Find a lender

After assessing your financial situation, we’ll determine your borrowing capacity and review loans from over 60 accredited lenders to secure the most competitive rate. If you already have a preferred lender, we’re happy to work with them as well.

3. Let us handle the paperwork

We’ll manage all communication with your lender, including preparing, signing, and lodging the required documentation. You can sit back and relax while we take care of the details.

4. Conditional Approval

Once your loan is conditionally approved, you’ll have a clear understanding of your borrowing power, enabling you to confidently make an offer on your next investment.

5. Secured a Property

We’ll work closely with your conveyancer and lender to ensure everything is in place for your contract settlement date.

6. Settlement

Finally, you’ll be ready to settle. We will be in contact with the lender and conveyancer, and will notify you once your lender has released the funds.

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Loan Types & Features

Explore a variety of loan types and features designed to meet your unique needs. Review the options below, and feel free to contact us with any questions.

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  • A variable rate loan features an interest rate that adjusts based on market conditions, providing flexibility in repayments and accommodating changes in interest rates. These loans often come with additional benefits, such as unlimited extra repayments, redraw facilities, and offset accounts.

  • A fixed rate loan offers a stable interest rate, allowing you to budget confidently with a consistent repayment amount each month. This predictability makes it easier to manage your finances effectively.

  • An interest-only loan allows you to pay only the interest on the loan principal for a specified period. This results in lower initial repayments, giving you the flexibility to allocate funds to other areas.

  • A split loan enables you to benefit from both fixed and variable interest rates. This structure allows you to set a portion of your loan at a fixed rate while keeping the remainder variable, offering both stability and flexibility.

  • A packaged loan provides discounts on both variable and fixed rate loans, often waiving additional fees and offering exclusive benefits. This option typically includes an annual fee.

  • A guarantor loan leverages the equity from an existing property to help you purchase a home sooner and potentially avoid fees like Lender’s Mortgage Insurance (LMI). Eligible guarantors may include parents, siblings, or grandparents.

  • A bridging loan is a short-term financing option that enables you to purchase your next home before selling your current one. This loan allows you to time your sale to suit market conditions while using the equity in your existing property as security for the deposit on your new home.