Whether you’re buying your first investment property or expanding your existing portfolio, the finance structure can affect your cash flow, flexibility and future borrowing. My Broker & Co can help you understand suitable investment property loan options, compare lenders and work through the information they may consider when assessing your application.
Planning to buy an investment property? Our free guide covers some of the key considerations when preparing to invest, from finance and property selection through to managing your investment.
Investment property loans can work differently from owner-occupied home loans, and lenders may assess your application on factors such as your income, existing debts, available equity, expected rental income and overall financial position.
My Broker & Co can help you compare suitable investment loan options and understand how different loan structures may affect your repayments, cash flow and future borrowing capacity.
If you already own property, available equity may form part of the funding strategy for your next investment purchase.
Equity is generally the difference between the value of your property and the amount you still owe on it. However, the amount you way actually be able to access will depend on factors such as the property valuation, your existing lending, lender policy and your ability to service the additional debt.
My Broker & Co can help you understand your available equity, how a lender may assess it and whether using equity could form part of a suitable investment finance strategy.
The right investment loan isn’t necessarily the one with the lowest advertised rate. Depending on your goals and circumstances, you may also want to compare features such as:
My Broker & Co can help you compare suitable options and understand the trade-offs.
Your investment borrowing capacity can depend on your income, living expenses, existing debts, current home loans, available equity and the lender’s assessment of expected rental income.
different lenders can assess these factors differently, which means your borrowing capacity may vary between lenders.
Before committing to a property, it can be useful to understand your likely borrowing range and how the proposed investment loan may affect your overall financial position.
Investment property loan rates can vary depending on the lender, loan type, loan-to-value to ration, repayment structure and you individual circumstances.
Rather than looking at the headline rate, it is worth considering the comparison rate, fees, loan features and how the structure fits your investment strategy.
My Broker & Co can help you compare suitable investment loan options from a range of lenders and understand the differences between them.
In addition to your deposit, you may need to allow for costs such as stamp duty, conveyancing or legal fees and ongoing property expenses. The exact costs will depend on the property, location and your circumstances. Understanding these upfront can help you plan your investment purchase more confidently.
Stamp Duty Calculator
Interest-only repayments can reduce required repayments for a period, but the loan balance generally does not reduce during that time. Principal and interest repayments reduce the loan balance over the life of a loan. The right option depends on your goals, cash flow and broader investment strategy, so it’s important to understand the longer-term impact before choosing a structure.
Lenders may take some expected rental income into account when assessing an investment property loan, but they usually won’t count all of it. The amount considered can vary between lenders and may depend on the property, lease arrangements and your overall financial position. My Broker & Co can help you understand how rental income may be treated and how it could affect your borrowing capacity.
Lenders may consider your income, expenses, existing debts, credit history, available equity, deposit, expected rental income and the value of the property being purchased. Their assessment criteria can vary, which is why one lender may view the same application differently from another. We can help you compare suitable lenders and understand what information may be needed before you apply.
Whether you’re new to investing or growing your portfolio, we’ll help you find the right loan and make confident decisions.
Let’s build your property strategy together.
Please note we do not provide tax, legal or accounting advice. Any information provided is of a general nature only and does not take into account the objectives, financial situation or needs of any particular person and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in or considering the appropriateness of any transaction.