Whether you’re buying your first investment property or growing your portfolio, the right investment property loan makes a real difference. We guide you through every step, from strategy to settlement and beyond.
Investing in property can offer rental income, capital growth and tax advantages. However, how your loans are set up matters just as much as the property you buy.
That’s why we start with a customised Loan Proposal showing exactly how your finance will be structured. We help you avoid cross-collateralisation, choose a lender with the features you’ll need as an investor, and work with your accountant so your loans are set up correctly for tax.
How we set up your investment property loans
Your Loan Proposal also includes a comparison of lenders and our recommendation. We can arrange finance through traditional lenders or alternative options if needed, and our guide to smart loan structuring explains why the setup matters so much.
From application to settlement, we manage the loan process and keep in touch with your conveyancer, buyer’s agent, selling agent and financial planner if you have one. Think of us as the project managers for your investment journey.
Support after settlement
Our support doesn’t stop once your loan settles. Within 24 hours of settlement, we contact your new lender to confirm:
- The loan is set up correctly and repayments are coming from the right account
- The repayment amount
- The date your first repayment is due
We also check that any extra funds are in the right account and that offset accounts are linked correctly. You’ll get all of this by email, and we’re happy to help you work out what money should go where.
After that, we follow up at 1 month and again at 6 months. At 12 months, we do a full loan review and ask your lender for a lower rate. If your rate isn’t competitive, we’ll talk you through refinancing. We also keep track of when any fixed or interest only periods are due to end.
Why invest in property?
Property has historically grown in value over time, giving you the potential for long-term capital growth.
At the same time, paying down your loan builds equity, which you can later use towards your next investment.
Rental income gives you regular cash flow that can help cover your loan repayments and property costs.
Owning more than one property, or different types of property, can also spread your risk if one sits vacant for a while.
Investors can often claim expenses such as interest on investment property loans, property management fees and maintenance, plus depreciation on the building and fittings.
Because everyone’s situation is different, we recommend talking to your accountant about what you can claim.
Property tends to move differently to shares and other investments, so adding it to the mix can help balance your overall portfolio.
It can also provide some protection against inflation over the long term, especially when your investment property loans are structured well.
Getting your investment property loan
First, we get to know your goals, timeframe and comfort with risk, so your investment loan strategy suits you.
From there, we can talk through what you’re looking to buy and how it fits your plans.
Next comes a check of your finances to work out your borrowing power. Our borrowing power checker shows what can affect it, and new debt-to-income rules may apply to investors.
Then we compare investment property loans from a wide range of lenders to find the right rate and features.
While you look for the right property, we make sure it fits your budget and borrowing power, and that the lender will accept it as security.
Your conveyancer and buyer’s agent, if you have one, take care of the property checks and legal side.
Once you’ve found a property, we help you get your finance ready so you can make an offer with confidence.
We then handle the loan application for you, from gathering documents to lodging it with the lender.
We manage settlement for you, including the paperwork and lender requirements.
As your portfolio grows, our team is here to help with your next purchase, SMSF lending or refinancing.
What to expect from your broker
Our team brings years of experience in investment lending. Rather than guess, you get clear advice on loan structure, lenders and features, so you can make sound decisions.
Every investor is different, so we tailor our recommendations to your goals, timeframe and comfort with risk.
Throughout the process, you’ll get clear, jargon-free explanations and regular updates. That way you always know where things are up to.
Long after settlement, we keep reviewing your loans and help you plan your next move, whether that’s another purchase, an interest only strategy or a refinance.
Ready to invest?
Investing in property is a big decision, but you don’t have to navigate it alone. We’ll help you find the right investment property loan and set it up with clarity and confidence.
Call us or book an appointment today to start your property investment journey. You can also try our interest only calculator to compare repayments.