Investment loans
Start or expand your investment portfolio today.
What do we mean by investment loans
Investment loans are designed for individuals looking to grow their wealth through assets such as property, shares, or managed funds. These loans provide the funds needed to make strategic investments, with the goal of generating income or long-term capital growth.
Key Features of Investment Loans
- Purpose-Built: Designed to fund investment opportunities, these loans allow you to leverage your capital and potentially boost returns.
- Loan Security: Loans can be secured against the investment asset or other collateral, which may affect terms and interest rates.
- Flexible Repayment Options: Choose between interest-only payments to maximise cash flow or principal-and-interest repayments to reduce your balance over time.
- Loan-to-Value Ratio (LVR): Your borrowing capacity depends on the LVR, which also determines whether Lenders Mortgage Insurance (LMI) applies.
Important Considerations
- Risk Awareness: Investments carry risk—consider both potential gains and losses, and ensure they align with your risk tolerance.
- Costs and Rates: Review interest rates and fees carefully, as they impact your overall return.
- Repayment Capacity: Make sure you can comfortably meet repayments, especially if investment income fluctuates.
- Tax Factors: Interest on investment loans may be tax-deductible, but always seek advice from a qualified tax professional.
Role of an adviser
Making the Home Loan Journey Simple
Buying your first home is exciting—but it can also feel overwhelming. That’s why we’re here to make the process easier and stress-free. Our service is designed to guide you through every step:
- Market Insights: Stay informed with the latest loan options from a wide range of lenders.
- Tailored Solutions: We take the time to understand your goals and financial position to match you with the right loan.
- Application Support: From preparing documents to lodging your application, we ensure everything meets lender requirements.
- Clear Communication: Acting as your point of contact, we manage negotiations and correspondence to keep things moving smoothly.
- Ongoing Assistance: From pre-approval through to settlement, we’re here to answer questions and provide support throughout your journey.
Ready to take the next step?
Contact our team today and start your home-buying journey with confidence.
