Investment Lending
Property investment can be a great way of creating wealth as part of your long-term investment strategy. Historically, house prices have steadily grown, providing a stable return in the form of capital growth. Rental income can also form part of your investment plan.
In some situations, it can be harder to secure a home loan as an investor. Due to Reserve Bank guidelines, banks are limited with the amount of high ‘loan-to-value’ (LVR) ratio lending they can provide. Many lenders have lower limits for what they can lend to investors, and you’ll often need a higher deposit.
Investment loans can also be complex. You may need to release equity from your existing property or structure your loan in a specific way for tax purposes. There are a multitude of different products available on the market, from banks and non-bank lenders, and it can be hard to figure out what option will work best for you.
Our home loan advisers can talk through these options with you, negotiating with our extensive network of lenders and tailoring your investment loan for that perfect fit. Whether this is your first investment property, or your tenth, we’re here to help you achieve your property investment goals.
DISCLAIMER: This information is intended for general information only and does not constitute investment advice. If you are seeking personalised investment advice, we suggest you contact a qualified investment adviser.
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Disclaimer: Please note the content provided on this page is intended as an overview and is for general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect new developments in the industry or address your situation. Before making any decisions based on the information provided on this page, please use your discretion, and speak to one of our advisers.