Wanting to expand your property portfolio? Whatever your next step, we'll take out the hurdles and help you secure the finance for your investment property.
Structure First. Strategy Always. Finance With Purpose.
Rather than focusing investment strategies around interest rates, we help you structure your financial strategy outcomes and future borrowing capacity.
Sliding into your second property? Adding to your self managed fund? Looking at your cash flow or capital growth? Whatever your next step, we're here to take out the hurdles.
Your next investment starts by taking few minutes to answer a few questions right here. After that, we'll meet to discuss your goals, in person or online.
To find the most suited lenders, we'll discuss your options and borrowing power. An existing property can be used as equity, which means you may not need as much deposit as you first thought.
Found a lender? Great stuff. We'll do the paperwork to package, sign and lodge your documents.
Once pre-approved, your borrowing power will be revealed. Now you can make an offer on your next investment.
You've made your move and have just secured a property, all that's left is the paperwork, which you can leave to us. We will work overtime to ensure your property is accepted by the bank. Grab a sharpie, because a settlement date will then be set in place.
It's settlement time! We'll coordinate with your solicitor or conveyancer and the lender, in line with the date on the contract. Once the settlement takes place, pop the champagne because you've just won the property game.
There are a number of loan types available for investment property — see some of the options below.
As the name suggests, the interest rate can change over the life of the loan. This gives you flexibility, but can also leave you open to rate rises. These loans offer more flexible features like unlimited additional repayments, redraw, and offset accounts.
Basically, this is the opposite of a variable rate loan. Your interest rate and repayments will stay the same during the fixed term, no matter what—so you know exactly what to budget for each month. So no surprises while your fixed period is in place, and you can plan ahead with confidence.
You're able to fix part of your loan, while leaving the rest variable. That way you can lock in certainty on one portion and keep flexibility on the other—often a practical middle ground when you want stability without giving up all your options.
Professional packages offer discounts on standard variable and fixed rates, the waiving of fees, and in some cases, great deals on other products from the same lender. A packaged loan usually comes with one annual fee for the bundled products—and can suit borrowers who want extra features bundled in one place.
Also known as 'honeymoon' loans, these offer a low interest rate for a short period (eg. a year), after which the rate moves to the standard variable rate. They can make early repayments easier to manage at the start, but it's important to understand what happens when the introductory period ends.
As the name suggests, you only pay the interest on the principal balance for a set term, with the principal balance unchanged. Repayments are lower during that period, but you are not reducing the loan balance until principal repayments begin—so it's worth weighing up the longer-term cost.
How much can I borrow? How much is stamp duty? Compare repayments on a split loan? Reach out — we'll walk you through the numbers.
