Investment Loans
Access hundreds of investment loan options across Australia's leading banks and lenders, with expert guidance tailored to your property goals.
Rated 5 from 76 Reviews
Access hundreds of investment loan options across Australia's leading banks and lenders, with expert guidance tailored to your property goals.
Rated 5 from 76 Reviews
Property investment can be a powerful wealth-building strategy, offering long-term financial growth and portfolio diversification. At fundfin., we specialise in helping Australians access investment loan options from banks and lenders across the country. Whether you're purchasing your first investment property or expanding an existing portfolio, understanding the mechanics of investment loans is essential. From interest rates and lenders mortgage insurance (LMI) to loan structuring and borrowing capacity, having the right knowledge puts you in a stronger position to make decisions that align with your financial goals.
One of the first considerations when exploring investment loans is the type of interest rate that suits your strategy. A fixed interest rate offers repayment certainty, which can be valuable when managing cash flow across multiple properties. A variable interest rate, on the other hand, provides flexibility and may offer rate discounts as market conditions shift. Calculating repayments under each scenario gives you a clearer picture of how each option fits your investment objectives.
The amount you can borrow is shaped by several factors, including your income, existing liabilities, credit history, and overall financial position. Lenders assess these elements carefully during the investment loan application process. A strong credit history can open the door to more favourable interest rates and may reduce or eliminate the need for lenders mortgage insurance (LMI). Your loan-to-value ratio (LVR) also plays a significant role in determining the terms available to you. Understanding how these factors interact helps you approach the application process with confidence.
At fundfin., we work closely with you to prepare a thorough application - gathering bank statements, financial records, and supporting documents to present your position in the strongest possible light. Our knowledge of the property market means we can also help you understand associated costs such as stamp duty and factor these into your overall borrowing capacity assessment. If you're considering building rather than buying, our team can also walk you through construction loans as an alternative pathway.
For investors looking to review their existing lending arrangements, refinancing can be a strategic move - whether to access equity, reduce costs, or restructure for the next acquisition. And if your investment strategy extends beyond residential property, we can also assist with commercial loans suited to commercial or mixed-use assets.
Choosing the right investment loan is about more than securing funds - it's about structuring your finance in a way that supports your long-term property goals. At fundfin., we provide personalised advice tailored to your individual circumstances, helping you make informed, empowered decisions at every stage of your investment journey.
Ready to take the next step? Book an appointment with our team today and explore the investment loan options available to you across Australia.
1. Initial Consultation
Your investment loan journey begins with a focused consultation. We'll discuss your property investment goals, walk you through the process, and assess your current financial position. This conversation sets the foundation for identifying loan options that align with your strategy - whether you're acquiring your first investment property or adding to an existing portfolio.
2. Financial Assessment
We conduct a thorough review of your income, expenses, assets, liabilities, credit history, and existing equity. This assessment is central to determining your borrowing capacity and the loan amount you can realistically apply for. We'll also clarify key concepts such as loan-to-value ratio (LVR), interest rate structures, and lenders mortgage insurance (LMI) as they apply to your specific situation.
3. Exploring Loan Options
With a clear picture of your financial position, we compare investment loan products across multiple lenders - evaluating interest rates, fees, repayment terms, and loan features. We'll explain the differences between fixed and variable rate options and how each may affect your cash flow and long-term returns, helping you select a structure that supports your investment objectives.
4. Pre-Approval
Securing pre-approval gives you a clear indication of your borrowing capacity before you commit to a purchase. It allows you to set a realistic budget, act with confidence when making offers, and demonstrate to vendors that you are a prepared and serious buyer.
5. Loan Application
Once you've selected the right loan product, we manage the formal application process on your behalf. We handle the paperwork, coordinate supporting documents such as bank statements, and liaise directly with the lender throughout - keeping you informed at every stage and addressing any queries that arise.
6. Approval and Final Steps
Following approval, we guide you through reviewing the loan agreement, understanding all terms and conditions, and arranging any required insurance coverage. We'll also help you set up repayment options and discuss strategies for managing your investment loan effectively over time.
7. Settlement and Beyond
At settlement, the loan is formally advanced and ownership of the property transfers to you. We recommend engaging a solicitor or conveyancer to ensure the process runs smoothly. After settlement, your lender will provide online access to your loan account, and you'll begin managing repayments as part of your broader investment strategy.
MW
Maria Wolfenden
James took away all the stress and hassle of finding an easy to manage loan with a straight forward processs and clear directives. As it's turned out, I've learnt that online banks usually have the best deals ... and that's where I'm set up. Feeling settled in my new home and a loan that I can easily manage from my phone.
HH
Harry Hills
This is now our 7th loan we have gone through with FundFin inc vehicles, investment properties and developments - every time its the easiest part of the project working with FundFin - recommend to your friends and family the great team at FundFin
RG
Rebecca Gray
We had a fantastic experience working with James. From start to finish he was nothing but professional and an absolute pleasure to deal with. He kept us updated throughout the entire process, always making sure we knew exactly what was happening at each stage. No question was ever too much trouble. He took the time to answer everything clearly and helped guide us whenever we were unsure or didn’t fully understand something. His support and patience really made the whole process less stressful. We would highly recommend James to anyone looking for a reliable and knowledgeable broker. We truly appreciate all the help and cannot thank him enough for everything he has done for us. Craig & Bec
An offset account is a transactional account that sits against the loan. Any funds held in this account go to offsetting interest payable on the loan. For example, if your loan balance was $100,000 and you held $90,000 in your offset account, you would only be paying interest on $10,000. While the principal reduction repayments would remain the same, you would pay less interest over the life of the loan, thereby reducing the overall loan term saving you thousands or more! As with any everyday transactional account the funds are accessible at any time.
Generally if you are on a fixed rate loan you won't have access to an offset account however some lenders offer niche products that allow you to offset all or part of the fixed loan.
Redraw is where you make additional repayments above the minimum required as part of your loan contract. Some lenders allow you to draw on these additional repayments as required (sometimes for a fee) however this may impact on your loan balance and the interest payable.
Mortgage brokers operate independently of any financial institution. We're not locked into any relationships with specific lenders and want you to have the most competitive option based on your own unique set of circumstances. There is no 'one fit' solution for any client and we aren't limited to one lender's suite of products.
Best of all - there is no cost to you to use our service!
Yes you can. It comes down to the purpose and use of funds, as dictated by the appropriate lending guidelines.
For example, residential loan cannot be used for business purposes and vice-versa. We can assist in determining what loan is most suitable for your circumstances.
Not necessarily! Lenders Mortgage Insurance (LMI) is a premium charged by the lender's insurer for customers who need to borrow money above the maximum thresholds set by the insurer. Usually this is for loans above 80% loan to value ratio (LVR). However, some lenders offer LMI waivers for clients with certain professional qualifications up to 95% LVR, and other lenders may offer an alternate interest rate for customers with lower deposit without charging an LMI premium. There are also government backed first home buyer schemes which may allow for a deposit of 5%.
If you have any existing properties, you could also use the equity towards some or all of the deposit, including any associated costs such as stamp duty.
Some lenders also offer family pledge, or guarantor products where you can use the equity in a family member's home to borrow up to 100% of the purchase price plus costs.
Borrowing power is determinant on several factors. These can be a combination of, but are not limited to;
The lender
Your income (including rental income, pensions or super annuities, and government payments)
Your existing liabilities, such as credit cards, personal loans and HECS debts
Your monthly living expenses, fixed and discretionary
Lenders stress test the ability to afford loan repayments by running the loans against a floor rate, which is usually a couple of percentage points above the current market rate. This is to safeguard you in the event that if interest rates were to rise, you could still afford to make your repayments without experiencing significant hardship. Some lenders' floor rates are higher than others, meaning that you may be able to borrow more with Lender A than Lender B.
Existing debts, such as credit cards will also have an impact on how much you can borrow. While a $10,000 credit card might not seem like a lot in the scheme of things, it could be the difference of tens of thousands of additional borrowings on your home loan! This is where we can guide you to find the right options to suit your circumstances.
Absolutely - we can guide you through the entire process, from how much you can borrow, to first home buyers concession eligibility, putting you in touch with conveyancers and much, much more!
Absolutely, however it is important to note about what your goal actually is. For the sake of a few thousand dollars is it worth paying a few basis points more where any cash gain you have made will be eroded by the additional interest you're paying. If you have entered in to a longer loan contract, then you will likely end up paying more interest over the life of the loan, even if your initial rate is lower than what you were on.
Many lenders are offering rebates between $1000 and $4000 and some of these multiply per property refinance. We can discuss these options with you in your initial enquiry.
fundfin. ABN: 33 673 272 378, Fundfin Pty Ltd ABN: 33 673 272 378. Credit Representative #527192 is authorised under Australian Credit Licence #389328.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
Site by Broker Studio
