Investment Loans

We can help you take a step into your first or next investment property.

Let us assess your overall financial position and secure a deal for positive ROI.

What Is An Investment Loan?

Home loans that are given specifically for investment properties are considered investment loans.

What would be considered “investment properties” under Australian law is a wide range from a small home for rent to a large multiple-unit building.

This is a special type of loan because the borrower will have rental income coming in to help in paying the loan back.

As the leading mortgage brokers, we are specialised to help you with investment loans and even your property investment.

Why Choose Zanda Wealth Mortgage Brokers for Your Investment Home Loan

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Local Expertise Spanning Decades

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Realistic & Honest Guidance

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Access to a wide range network of lenders

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Comprehensive and Client-focused Service

Navigating the Investment Loan Process

Navigating the investment loan process can seem daunting, but with Zanda Wealth Mortgage Borker’s expertise and dedication, it can be a seamless and rewarding journey. Our team is committed to providing you with comprehensive assistance every step of the way, from property selection to loan application and approval.

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Property Selection and Research

Embarking on the journey of investment loans starts with choosing the right property and conducting thorough research. This entails gathering information on rental income, tenant turnover rates, property tax obligations, utility payments, and the total yearly operating costs. It’s important to understand these figures, as they form the basis of a profitable investment.

The selection process is not just about the property’s appearance or location. The financial aspects, such as the potential rental yield and the overall costs associated with maintaining the property, are key factors in determining whether an investment property is worth pursuing.

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Loan Application and Approval

Once you’ve done your homework and found a property that checks all the boxes, the next step is to submit your loan application. At this stage, your creditworthiness will be evaluated by the lender through credit reports and bank statements. The results of this initial credit check will determine the required down payment for the loan.

Investment loans often have higher down payment requirements and interest rates compared to regular home loans. But don’t let that deter you. Once you’ve passed the credit check, the lender will complete the investment loan by providing you with the requested capital. With Zanda Wealth Mortgage Brokers, you can rest assured that you’re guided and supported every step of the way, from application to approval.

Exploring Your Investment Property Loan Options

Interest-Only Investment Loans

Interest-Only Investment Loans can be an attractive choice for investors aiming to maximise cash flow in the short term. In this arrangement, your repayments solely cover the interest on the loan for a specified period, typically five to ten years. While the principal balance remains unchanged during this time, this option can offer lower initial repayments and tax benefits. However, it’s essential to plan for the shift to principal and interest repayments in the future, which can significantly increase your repayments.

Principal and Interest Investment Loans

Principal and Interest Investment Loans involve repayments that chip away at both the interest and the original loan amount (the principal) over the life of the loan. This loan type reduces risk by ensuring the loan balance decreases over time, eventually leading to full ownership of the property. It’s a sensible option for those seeking long-term investment and who want to build equity in the property over time. Although the repayments are higher than an interest-only loan, the gradual reduction of your debt can be a worthwhile trade-off for long-term financial security.

Comparing Investment Home Loans

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We have the capabilities to run comparisons on more than 4,000 home loans to find the best rate for your investment loan.

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We can sort out the displays conducive to interest rates or their rating, this helps narrow the field down to a few candidates.

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You can also filter out criteria that you deem unimportant and focus on whichever facet you’re interested in such as fees and offset accounts.

Interest Rate Comparisons

We can factor in fees and other charges not typically included with other comparison sites in relation to borrowing rates.

Getting a low-interest rate is imperative amongst borrowers due to the fact that interest adds up a lot over time.

Shaving off just a percentage point on the APR can save the borrower thousands of dollars over time.

We can provide the very best and complete comparison tool for lending rates on our website.

Benefits of Owning an Investment Property

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Enjoying Passive Property Value Growth

As a property investor, one key benefit is the passive growth in your property’s value over time. This capital appreciation can lead to substantial profits when you choose to sell, especially if the property is in a high-demand area.

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Maximising Active Property Appreciation

Active property appreciation involves increasing a property’s value through strategic upgrades and renovations. By enhancing your property’s appeal, you can command higher rent or sale prices, leading to greater returns on your investment.

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Generating Steady Rental Income

Owning an investment property provides a steady stream of rental income, offering a regular cash inflow that helps offset your mortgage repayments. This income can be particularly beneficial during retirement or as a supplementary income source.

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Leveraging Tax Benefits from Property Investment

Property investment comes with a range of tax benefits. From claiming interest on loans and depreciation of assets, to deducting property-related expenses such as repairs, maintenance, and property management fees, these tax benefits can significantly lower your overall tax obligations.

Common Investment Loan Mistakes to Avoid

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Over-leveraging: Risks and How to Avoid It

Over-leveraging refers to borrowing more than you can comfortably repay, putting you at risk of defaulting on your loan. To avoid this, it’s crucial to calculate your repayments accurately, considering all potential expenses, and ensure you have a buffer in place for unexpected costs.

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Neglecting Maintenance Costs and Implications

Neglecting maintenance costs can lead to costly repairs in the future and reduce your property’s value. Regular upkeep not only preserves your investment but also attracts better tenants and commands higher rents, so factor these costs into your budget and maintain a reserve for unexpected expenses.

Locations We Serve

Sydney

Mortgage broker in Sydney

Brisbane

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Gold Coast

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Melbourne

Mortgage broker in Melbourne

Adelaide

Mortgage broker in Adelaide

Perth

Mortgage broker in Perth

Canberra

Mortgage broker in Canberra

Darwin

Mortgage broker in Darwin

Hobart

Mortgage broker in Hobart

Launceston

Mortgage broker in Launceston

Zanda Wealth Mortgage Brokers Offers Comprehensive Investment Loan Support

Securing an investment loan is a significant step, and we’re here to support you throughout the process. We provide up-to-date information, guidance on investment opportunities, and a wide range of loan products tailored to your needs.

Investment Loans

Start Your Investment Property Journey With Zanda Wealth Mortgage Brokers by Your Side

Getting an investment loan is a major step and you shouldn’t make this step alone. It can take hours and days for a borrower to do all of the requisite research and comparisons of different loans available. We can help you through this process by providing the most up-to-date information and data available for borrowers.

We help our clients with pertinent information and help in the factors that they need to look for in good investment property opportunities. We don’t just provide comparison tools for our clients, we cover the entire gamut of the finance world. We also have a wide range of loan products that will be an asset to your investment needs.

Contact Zanda Wealth Mortgage Brokers today about your next property investment.

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Frequently Asked Questions on Investment Property Loans

Can I switch my existing home loan to an investment loan?

Yes, you can switch your existing home loan to an investment loan, though it involves a process that may require approval from your lender or a refinance with a new lender.

What are the tax implications of investment property loans?

Investment property loans can offer tax benefits, as you can deduct the cost of owning, operating, and managing a property from your taxable income, including interest on the loan. However, tax implications can vary, so consulting with a tax professional is advisable.

Can I secure multiple investment loans?

Yes, you can secure multiple investment loans, but each application will be subject to individual assessment by lenders based on your income, credit history, and the value of the properties.

Can I refinance an investment property loan?

Yes, you can refinance an investment property loan to secure better interest rates, consolidate debts or leverage equity, but it’s essential to consider refinancing costs and potential tax implications.

How do I know if I need to refinance my home loan?

Knowing when to refinance your home loan involves evaluating your current financial position, loan terms, and market conditions. If you’re facing high-interest rates, unstable loan terms, or financial hardship, or if there are better rates available, it might be time to consider refinancing.