If you’re looking to buy your first investment property or add to your portfolio, we can help you get the right finance option for your situation.
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HOW DO THEY WORK?
Property investment loans
Similar to your home loan, investment loans need to be tailored to your unique circumstances and particular purpose. The loan options available to you will generally have different levels of flexibility which is dictated by your investment goals.
Your structure should look very different if you’re seeking an investment loan that helps you reduce debt quickly compared to a loan option that is structured to enable you to purchase additional investment properties in a shorter period of time.
Understanding and selecting a loan that takes into account the bigger picture of your financial situation is vital for maximising your goals and investment return.
Frequently asked questions
Below you’ll find answers to the most frequently asked property investment loans questions.
What is a property investment loan?
A property investment loan is a type of mortgage designed for purchasing investment properties. These loans are used to buy properties that will generate rental income or be sold for a profit. They often have different terms and requirements compared to home loans for owner-occupiers.
What are the benefits of an interest-only loan for property investment?
Interest-only loans can lower your monthly repayments, freeing up cash flow for other investments or expenses. This can be beneficial if your investment strategy focuses on capital growth. However, you won’t build equity as quickly compared to a principal and interest loan.
How does negative gearing work with property investment?
Negative gearing occurs when the costs of owning and maintaining an investment property exceed the rental income, creating a taxable loss. This loss can be used to offset other income, potentially reducing your overall tax liability. It’s advisable to consult a tax professional to understand the benefits and risks.
How much can I borrow for a property investment loan?
The amount you can borrow depends on factors such as your income, expenses, existing debts, credit score, and the potential rental income from the investment property. A mortgage broker can help assess your borrowing capacity and find suitable loan options.
WE’RE WITH YOU
So why MV Finance?
We make the finance process a breeze. Whether you’re starting your property journey with the dream of owning your own home or you’re an experienced property investor, we will help you make the most of your situation.
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We identify and compare top lenders to find the best rates and loan terms for your needs.
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We analyse and compare loan options to find the most cost-effective solution for you.
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We ensure you receive the best possible interest rates available for your type of loan.
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Our team will educate and guide you through some of the biggest, and most exciting, decisions of your life.
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Through carefully considered strategic finance our experienced team can meet your financial needs and together we can build a lasting relationship.
Ready to get started?
The options we explore for you depend on your situation. Book a meeting with one of our expert brokers so we can begin researching the best loan option for you.
