Property Investment Loans

Multiple investment loan solutions from experienced advisors ...

 

Professional and experienced mortgage consultants that can help you structure and finance you next investment property purchase at competitive interest rates. Compare multiple investment loan quotes sourced from hundreds of lenders Refinance advice. See if it is worth refinancing your investment loans. Low doc investment loans and borrow up to 80% of the properties value Construction loans for those looking to build  Interest only solutions up to 30 years Borrow up to 95% of the properties value Negotiate better interest rates and find you loans you may never consider  Friendly helpful advisors to speak to over the phone, via email or in person

 

Investment Loan Quotes 

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Most Popular Property Investment Loan Lenders...

We have property investment experts in your local area to help you with all your finance needs

Lender		Home Loan to Look Out For	More Information
Note: Many More Lenders Available. This is just a representation of some of Australia's most longest standing lenders that offer ongoing competitive rates. Please discuss other lender options with your mortgage consultant.
MAJOR BANKS
	ANZ Property Investment Loans	Basic - Simplicity Plus, Professional - Break Free,  Line of Credit, Low Doc to 60%, Construction and Fixed Rates 2,3,4,5,7 & 10 years
	Commonwealth Property Investment Loans	Discounted Rates - 1 & 3 years, Basic - Rate Saver, Professional - Wealth or MAV Package,  Line of Credit, Low Doc to 80%, Construction and Fixed Rates 1,2,3,4,5,7, 10 & 15 years
	NAB Property Investment Loans	Discounted Rates - 1 & 3 years, Basic - Base, Professional - Choice Package,  Line of Credit, Low Doc to 80%, Construction and Fixed Rates 1,2,3,4,5,7, 10 & 15 years
	Westpac Property Investment Loans	Basic - Flexi First Option Investment, Professional - Rocket Invest,  Line of Credit, Low Doc to 80%, Construction and Fixed Investment Mortgage Rates 1,2,3,4,5,7,9, 10 & 12 years
	Homeside Lending NAB Property Investment Loans	Professional - Homeplus,  Line of Credit, Low Doc to 80%, Construction and Fixed Rates 1,2,3,4 & 5 years
SMALLER BANKS
	Adelaide Bank Property Investment Loans	Basic - Smart Fit Home Loan, Low Doc Variable and fixed rates, 3 and 5 year fixed rates.
	AMP Property Investment Loans	Variable - Classic, Professional,  Line of Credit, Low Doc to 80%, Construction and Fixed Rates 1,2,3,4 and 5 years
	Bank West Property Investment Loans	Discounted Rates - 1 & 2 years, Basic - Lite, Professional - Lite Plus,  Line of Credit, Low Doc to 80%, Construction and Fixed Rates 1,2,3 & 5 years
	Citibank Property Investment Loans	Basic, Professional - Mortgage Plus,  Line of Credit, Low Doc to 80%, Construction and Fixed Rates 1,2,3,4 and 5 years
	ING Direct Property Investment Loans	Basic - Mortgage Simplifier, Professional - Smart Pac,  Line of Credit, Construction and Fixed Rates 1,2,3,4 and 5 years
	St George Property Investment Loans	Basic, Professional - Advantage,  Line of Credit, Low Doc to 80%, Construction and Fixed Rates 1,2,3,4 and 5 years
	Suncorp Property Investment Loans	Basic - Back to basics, Professional - Money Manager,  Line of Credit, Low Doc to 80%, Construction and Fixed Rates 1,2,3, and 5 years
BUILDING SOCIETIES
	Heritage Bank Property Investment Loans	Basic, Professional Packages,  Line of Credit, Construction and Fixed Rates 1,2,3, and 5 years
	The Rock Building Society Property Investment Loans	Variable, Professional Packages,  Line of Credit, Construction and Fixed Rates 1,2,3, and 5 years

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What To Look For In a Property Investment Loan...

Obviously, interest rate is one of the most important factors when looking for property investment finance but it is also important to take into account the following considerations -

 

The Fees You Pay

Entry costs and ongoing costs can add to the cost of a loan. Also, exit fees can also be an expensive if you are an active property investor or planning on selling an investment property within 5 years.

 

Here are just some examples of the fees you may incur.

1. Establishment fees - can rage from $0 to $1,000 depending on the lender

2. Ongoing Fees - can range between nil to $550 per annum

3. Early exit fees - anything from $0 to thousands

4. Fixed rate break fees - exiting a fixed loan before its term is over can cost in the thousands

5. Discharge of mortgage fees - exiting any loan incurs a fee. This can cost up to $1,000 depending on the lender

6. Mortgage insurance - this varies from lender to lender

7. Other fees to consider - change of security, redraw fees, switching products, valuation

 

Choosing the wrong loan can significantly reduce the net gains made from an investment property. The need for correct product selection is important and specific to each property investor. The best way to find out which loans are best for your circumstances is to contact a qualified mortgage professional below.

 

Type of Loan - Variable, Fixed, Line of Credit

Property investment loans are no different to home loans. Interest rates, fees and lending policy is usually very similar if not the same. Variable rates, fixed loans, line of credit, construction and low doc loans are available for all types of investment property loans.

It does not really matter what type of loan you choose just as long it suits your investment strategy, the interest rate is competitive and the fees (as discussed above) are not excessive. However, below are some considerations;

1. Consider professional packaged loans that allow you to put multiple loans under the one package which may

  save on establishment costs and ongoing fees

2. Line of credit loans can be used to access equity from an existing home to be used as a deposit or an out right

  purchase. However, most variable rate loans can be similarly used for the same purpose.

3. Fixed or variable rate loans will also depend on the borrowers risk profile and property investment strategy. Most  

  property investors with a long term view prefer fixed rates so they know exactly what their repayments will be.

 

Interest Only or Principle and Interest

Interest only loans allow you to only repay the interest on the loan without reducing the principle loan amount. Alternatively, principle and interest loans pay the interest plus reduce the original loan amount. Therefore, monthly repayments are less each month for interest only loans.

Most property investors prefer interest only loans for the following reasons:

• investment interest repayments are tax deductible and principle payments are not

• principle payments are better directed towards personal non tax deductible debt such as a home loan, credit card

and or personal loan.

• reduces the amount paid each month

Principle payments on investment properties should only be considered once all personal debt has been paid.

 

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Need Help?

We have home loan experts that can sort through hundreds of loans in less than 2 minutes to find the most suitable property for your lending needs. They can show you all the all the hidden costs and restrictions as well as show you the most reputable lenders to choose from.

 

Investment Loan Quote