We can advise you on:
Purchasing an investment property
Construction of an investment property
Self-Managed Super Fund loans
Loans to purchase shares, investments etc
Refinancing existing investment loans
Investment Loan options include:
- Interest Only term loans
- Lines of Credit
- Fixed Rate or Variable Rate
Recent changes to investment loans by the Australian Prudential Regulation Authority (APRA) have made investment loans even more complex, and it is now vital you receive the correct advice.
In an attempt to slow down the housing market, in Sydney NSW especially, and make it more affordable for owner occupiers to purchase a home, APRA recently legislated that banks and lenders must not increase their mortgage portfolio by greater than 10% per annum.
As a reaction to this, and in an effort to slow down the number of new investment loan applications, the major banks reacted instantly and reduced the acceptable LVR’s and increased the interest rates on all investment loans.
As a professional mortgage broker we have access to lenders that still offer higher LVR’s and very competitive rates, and we have the knowledge and experience to find the best and most appropriate investment loan for you
If you would like us to assess your eligibility or calculate your maximum borrowing power please complete the Needs Analysis form here and return it to us.
Budgeting is a very important part of the preparation for your loan application and assessing your borrowing capacity, plus the banks will require you to disclose your living expenses. Please click here for a handy budgeting tool you can use to assist you in calculating your expenses