Investment Loans

Whether you’re looking at buying your first home for investment, plan to make your own home an investment or already have an investment home loans property under your belt, you’ll likely need an investment loan.

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Have you decided on building a property portfolio?

Whether you’re looking at buying your first home for investment, plan to make your own home an investment or already have an investment home loans property under your belt, you’ll likely need an investment loan.

These loans can come with higher interest rates and fees due to most banks seeing the investment loan a higher risk so get in touch with us first. We can compare up to 50 different lenders to ensure you can recieve the best return possible on your investment. We can compare all the banks so you can select one who does not charge high ongoing fees and/or closing costs.

We help you:


  • Reach your property investment goals

  • Find the best investment loan for you

  • Structure your loan carefully

  • Get the advice and guidance you need on your journey


Most investment property loans require 20% deposit down, like traditional mortgages, it is possible to get 90 and even 95% investment loans and any lending over 80% usually incurs Lenders Mortgage Insurance (LMI – see Jargon Translator). Some lenders may require you to make Principal & Interest repayments on 95% loans until you owe 90% or less on the value of the property.

If you have a minimum of 20% deposit, you will be eligible to not pay Lender’s Mortgage Insurance. This will help to further reduce costs.

Looking to purchase a property purely as an investment?
If you borrow to invest, you will have to pay back the mortgage, so always do the numbers. Look at the worse case scenario and don’t rely on rental income to cover the mortgage – there may be times when your tenant either cannot pay the rent, has vacated early or it is left empty we provide investment home loans.

Always ensure you can make the repayment or save a nest egg to allow cover of the mortgage if the worst happens.

Many people buy investment property with the intention of taking out interest-only loans, but in most cases the interest rate is higher and at some point the interest-only period will end. This means your repayments will increase and the lender will require you to pay Principle & Interest repayments.

Find out how much you can borrow

In 60 seconds, understand how much you can borrow to buy your dream home.

Get your Borrowing Capacity
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Getting an Investment Loan

1. Initial Consult

Have a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps.

2. Fact Find

We'll work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a loan.

3. Pre Approval

Once you're approved, you can start bidding or making offers on properties you want to purchase.

4. Settlement

You settle on the property, your loan draws-down and you're good to go!

Book Appointment

JM

James McPhee

Very helpful and easy to contact. Renee Went above and beyond to help with our finance needs

IP

Isaac Povey

Renee and the team at step ahead finance were outstanding! She was very knowledgeable and helpful which allowed the process of me and my partner getting finance for our first home a lot less scary! We couldn’t speak more highly of her and her service.

Sp

Scott pitts

Absolutely amazing service could not fault Renee’s performance and attention 10 out of 10

Frequently Asked Questions

What kind of interest rates can you offer?

We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best home loans for our clients.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.

Can you only help with Home Loans?

We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.

Can you help with refinancing an existing Mortgage?

Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a home loan or investment loan.

Can you help first home buyers?

We love helping First Home Buyers! We're experts at the entire process and can help you get the right home loan. We're also across the various schemes to help first homeowners such as the First Home Owners Grant and the various stamp duty exemptions available.

Can you help self employed borrowers?

We know that Self Employed Borrowers have very specific needs so can help with making sure we find the right home loan for them. We can also assist with Low Doc and Alt Doc loans as well as Self employed loans.

Ready to get Started?