A large number of investment loan options can cause great confusion. Our experienced team is here to simplify your decision by giving you knowledge about the things to know about investment loans.

There is not much difference between home loans vs investment loans apart from the loan purpose and making sure you have the maximum borrowing capacity and the right loan structure in place to support your property acquisition, portfolio growth and maximising tax deduction.

We deal in a variety of investment loans as detailed below.

Fixed Rate Investment Loans – There are things, we make sure, that you get the best deal on your fixed rate loan. Unlike variable loans, fixed interest loans needs to be carefully chosen because you are committed to that lender for the fixed rate period.

Self Employed Loans – Banks just love to make it hard for anyone with a business to borrow money! They want tax returns, notices of assessment and then letters from your accountant, making applying for a loan incredibly difficult. Luckily not every bank has the same requirements for the self employed and we can assist you with the best choices available.

Investment Loans – A variety of lenders offer investment property loans but they may not all fit your specific investment goals and risk profile. By preparing your property portfolio with the right loans you can maximize your borrowing capacity, extend your interest-only periods and reduce the amount of your deposits. This means that you can buy more investment properties and achieve your investment goals faster!

Bad Credit Loans – A bad credit investment loan is a type of mortgage that is offered from a non-conforming or specialist lender that can consider all situations, in particular for those with black marks on your credit file. It is designed to separate and help the ‘outside of the box’ applications from regular people who do not meet the bank’s requirements and guidelines.

Non Resident Loans -Every year, thousands of foreign nationals, Australian expats and temporary residents decide to buy a home or investment property in Australia. This section is designed to help you understand how the buying process works and how we can help you to apply for a non-resident mortgage in Australia.

No Deposit Loans – The days of borrowing 100% of the purchase price without any proof of savings are gone. Unfortunately, due to the global financial crisis, there are no lenders that is able to fund these types of loans. However, you can still get approved for a 100% loan if you get a little creative or if you seek help from your parents!

Low Doc Loans – Low doc investment loans are for those who are self employed and are unable to prove their income through traditional manners. This is the only way that you can borrow without recent tax returns or financial statements. You may already have found that choosing the right low doc investment loan can be difficult as lenders have different requirements and interest rates.

Guarantor Loans – With traditional no deposit investment loans having been withdrawn from the market, guarantor loans are now the only way to borrow 100% of the purchase price. Did you know that there are distinct differences between lenders and the guarantor options they offer? With the help of a guarantor you can borrow over 105% of the purchase price, which includes purchasing costs such as stamp duty.

Unusual Employment Loans – If you have a job and can afford an investment loan then why won’t the banks help you? Surely there is someone who can use common sense rather than just referring to outdated guidelines? Modern investment loan lenders are beginning to understand that these days, not everyone has a 9 – 5 job and not everyone can prove their income as easily as they’d like to. With overtime, probation, contractors and agency workers with multiple part time jobs, it is not hard to see that most people don’t fit the banks normal rules.

Trust Loans – Many people often uses a trust to purchase their investment properties because of the asset protection and tax advantages of trusts. Unfortunately, most lenders don’t know how to structure a trust loan correctly, this can result in missing out tax advantages in borrower’s part.

Investment Equity Loans – A investment equity loan allows you to borrow against the equity you have in your property to invest in shares, repay your debts, renovate, pay for lifestyle expenses or buy another property. The loan is secured by a mortgage over your property and in most cases you can use as little or as much loans as possible, if and when you need it. Equity loans have been very popular in recent years due to their flexibility. House prices have risen rapidly across most of Australia, giving property owners a readily available and inexpensive source of credit.