Investment Property Loans

Ready to buy your investment property?

If you’re planning to purchase an investment property to rent out to tenants, no matter whether it’s your first investment property or your next, we can help.

Most people don’t know it, but the success of an investment property does not only depend on choosing the right property but also on the right investment property loan.
It’s understandable that most investors focus on the property first when thinking about property investing, but getting the financing is the crucial first step before you can buy an investment property.

But how do you choose the right loan?

Generally, loans for investment properties are not very different from owner-occupier loans. But to have a successful property portfolio, you need to have a solid investment strategy in place to determine the kind of loan that best fits your needs.

The type of loan you choose can also significantly affect your cash flow. Therefore, investors must think in what manner they would be repaying the loan before choosing a financial product that suits their investment strategy.

There are lots of different types of loans investors can choose from:

Interest only loans

Interest-only loans are the most preferred type of financing used by property investors in Australia. This is because interest-only loans can be used by investors to maximise their tax-deductible expenses.

Principal and Interest loans

This is the most common type of loan used by owner-occupiers who aim to pay off their mortgage in the shortest amount of time possible.

Equity loans

Do you already own a property? If the answer is yes, then it’s a great news! You can use the equity in one property that you own to secure a home loan for the next one.

Get in touch with our team so they can help you choose the right investment property loan!