Investment property loans with low comparison rates from 1.99%* p.a.

⏳ Compare loan options tailored to your needs in less than 5 minutes. If you’re refinancing, you can even see how much you can save compared to your current loan.

👩‍💻 Once you’re ready, you can start your loan application straight away. An accredited broker from our team will be in touch to support you throughout the process. You’ll enjoy expert advice from application to settlement.

🤝 You’re in good hands with an award-winning team. By partnering with a multi-award winning aggregator, we ensure our team of brokers meet strict compliance standards from your first consultation all the way through to settlement, so you can rest assured you’re in safe hands.

👍 Happy customers are our best reference. The home loan application process can be intimidating without the right support. That’s why we make sure our team of brokers is right there with you on your home loan journey, answering any questions you have and ultimately ensuring you get a loan you’re happy with.

An investment property loan is a type of loan that enables you to purchase an investment property or other investment. In the case of an investment property, you gain the benefit of rental income and capital appreciation, without having to fund the entire investment yourself. These loans have the potential to help you meet your financial goals by making investment purchases more attainable.

Investment property loans work just like regular home loans. When you are considering a property, you should obtain a pre-approval. This ensures that you are approved for the loan and the funds are available for your purchase. Upon settlement, you will pay your cash deposit and the bank will lend you the rest of the money you need to complete the transaction. Our broker partners can help you with this process.

Investment properties are a great way to build out your financial portfolio. Although all investments carry risks, property has historically performed well over long periods of time, and therefore are a great option for those looking for a long-term investment with good returns. Some of the benefits include:

Additional Income Stream

Investment properties can be a source of income. Depending on your deposit to loan ratio, you could earn additional income after your loan costs.

Capital Appreciation

As stated, property has performed extremely well in recent history, with values doubling every 10 years for the past 30 years.

Tax benefits

Negative gearing may allow you to offset any loss from your property investment against your regular income, potentially saving you on tax you would otherwise be paying. In addition, you may be eligible for a 50% discount on capital gains you may need to pay in the event you sell the property.

Although investment properties can help you generate wealth, they aren’t risk free, below we cover some of the things you should think about if considering an investment property:

Capital loss

Although property has performed well in recent times, there have been occasions when properties have reduced in value, (the recent impact of COVID-19 not withstanding). It’s important to not over-stretch yourself when investing.

Property damage/tenancy issues

In order to maximize your return from investment properties, they should be tenanted. There may be times when your property is vacant, and as such, you are not receiving income however still paying interest. Alternatively, tenants may cause damage to your property that will need to be repaired. To manage this, you should always leave a buffer for rainy days.

General Maintenance

Properties are not time-capsules remaining forever as you purchased them. You will be required to maintain them to ensure they remain attractive to both your current and future tenants

Tax

Although you may be entitled to a 50% discount when selling your investment property, there are still taxes to be paid on the amount of money you made due to capital appreciation. In addition, there is stamp-duty tax that must be paid on every property purchase made. This tax can run in to the tens of thousands of dollars.

There are many different investment property loans on the market, here are some things you should consider:

What is the comparison rate?

Although the standard interest rate is an important factor, you should always weigh up the full cost of the loan by calculating a comparison rate. Use our comparison rate calculator to estimate a personalised comparison rate for your loan options.

What loan features do I need?

Do you want a 100% offset facility, meaning any cash you place in to an offset account will offset the balance you will be paying interest on? You may prioritize a great banking app to manage your money with. There are lots of things to consider. Speak to your lending manager to consider your options.

Rather than taking a one-size-fits-all approach, we believe that every customer is unique. With a wide range of loans across over 60 lenders, there are thousands of combinations that vary based on your personal circumstances. Our team of Mortgage Brokers are fully qualified and equipped to walk you through the lending process, adding real value to your loan selection and application process and helping you every step of the way. View our lending panel here.

Before making a decision on whether this type of loan is suitable for you, it is important for you to consider the above information and discuss the suitability of this loan type with your Mortgage Broker.

This is general information only and is subject to change at any time. Your complete financial situation will need to be assessed before acceptance of any proposal or product.

With our process, in most circumstances your entire application can be signed digitally with software such as Docusign, however there are some forms with specific lenders that will need to be signed by hand.