Your Home Journey Begins Here
Empowering Investors
Begin your investment journey today and discover how we can help you secure your financial future.
Things to Consider When Applying
Preparation is the key to a smooth loan approval process.
1. Your Investment Strategy
- Capital growth
- Rental yield and cash flow
- Portfolio expansion over time
- Strategy influences loan structure, repayments, and lender choice
2. Borrowing Capacity & Serviceability
- Investment loans assessed more conservatively
- Rental income typically shaded to 70–80%
- Existing debts, expenses, and dependants matter
- Some lenders offer higher capacity depending on policy
3. Deposit Requirements
- Higher deposits usually required for investors
- Lower LVR caps compared to owner-occupied loans
- Better rates with higher deposits
- Reduced or avoided LMI
4. Interest-Only vs Principal & Interest
- Interest-only can improve short-term cash flow
- Principal & interest reduces debt faster
- Pricing often more competitive with P&I
- Depends on cash flow, tax position*, and strategy
5. Loan Structure & Features
- Offset accounts preferred over redraw for investors
- Split loans (fixed and variable)
- Separate loans per property for flexibility
- Avoid cross-collateralisation where possible
6. Credit Profile & Financial Conduct
- Clean credit history improves approval and pricing
- High personal debt reduces serviceability
- Strong conduct on existing loans is critical
7. Ongoing Costs & Holding Expenses
- Property management fees
- Maintenance and repairs
- Council rates, water rates, strata
- Landlord insurance and vacancy periods
8. Future Borrowing & Portfolio Growth
- Early decisions impact future purchases
- Structure loans for future equity access
- Some lenders restrict portfolio growth
- Long-term view is essential
9. Policy Differences Between Lenders
- Each lender treats investors differently
- Rental income treatment varies
- Interest-only availability differs
- Right lender impacts cash flow and power
10. Value of an Experienced Mortgage Broker
- Brokers compare policies, not just rates
- Loan structures aligned with investment goals
- Ongoing reviews support long-term growth
Explore Your Investment Options
Discover a range of investment opportunities tailored to meet your financial goals. Our offerings include property investments and diverse loan portfolios, designed to help you achieve solid returns. Learn how making informed choices today can pave the way for a more secure financial future.
Frequently Asked Questions
Find answers to your investment questions quickly and easily.
What types of loans do you offer?
We provide various loan products, including residential mortgages, commercial financing, and personal loans. Each option is tailored to meet our clients’ unique needs.
How do I apply for a loan?
To apply for a loan, simply fill out our online application form or contact us to schedule an appointment. Our team will guide you through each step of the process.
What information do I need to provide?
You will need to provide basic personal information, income details, and any relevant financial documents. This helps us assess your application efficiently.
How long does the approval take?
The approval process can take anywhere from a few days to several weeks, depending on the type of loan and the completeness of the information you provide. We keep you updated throughout the process.
What are the fees involved?
Fees may include application fees, appraisal fees, and closing costs. We ensure that you are aware of all potential costs upfront for transparency.
Ready to take the next step?
Looking for expert guidance on your mortgage options? Our team is here to help. Contact us today for personalized advice and to schedule your consultation. Let’s discuss how we can assist you in navigating your loan process with confidence.