Investment loans | Mortgage Brokers in Eltham, Greensborough & Doncaster

Investment loan strategists in Eltham

Are you a property investor looking to make the most of today's real estate market? If so, you know that choosing the right investment loan can be critical when it comes to securing a great return. Our Mortgage Broker Eltham team will tailor a strategy that minimises costs on your investment property.

Our team offers investors:

Access to 35+ lenders at once, each with their own set of investment loan options. Our Mortgage Broker Eltham team will save you time by researching the options and putting together a list of recommendations.
Advice on how to structure the loan to work well with the rest of your finances, as well as what features will make it more cost-effective.
Expert negotiation and admin so you know that we've found the right investment loan while being able to manage the legwork on your behalf.
A free investment loan service because the lender you choose pays a commission when your investment loan settles. We love that access to Mortgage Brokers in Australia is free!

Our Home Loan Calculators

Accessing equity to invest

If you have been diligently paying off your home loan, you probably have some equity available in your current property which you can as a cash deposit to invest. The amount of equity you can use will vary between lenders, so chat with our expert Mortgage Broker Eltham team about what your lender is likely to lend you.

Read our blog > Using your home's equity to buy an investment property

What our investment loan clients say

"Dealing with the Mortgage Broker Eltham team at Mortgage Choice has been an absolute pleasure from start to finish. They are professional, knowledgeable & demonstrate genuine care for their customers." [Carol, Eltham]

SEE MORE GOOGLE REVIEWS ➜

Your investment loan experts

Our team has helped hundreds of investors in Eltham and Greensborough find the right investment loan for their new property. We're here to help investors minimise costs and structure their loan effectively.

Find out more about our team

Home loan FAQs

What is positive vs negative gearing?

As an investor, you will need to make the all-important decision about whether to negatively or positively gear your investment property. Negative gearing simply means that the costs of your investment property are more than the income you receive from it. This creates a taxable loss, which can normally be offset against other income including your wage or salary, to provide tax savings.

On the other hand, a property is positively geared if it earns more in rental income each year that it costs to own the property. Both are effective strategies when used correctly. Chat to our Mortgage Broker team Eltham and Greensborough team about how we can find an investment loan to support your strategy.

How much equity do I have in my home?

Equity is the difference between your property's current value and the total remaining balance of your home loan. However, there is a difference between 'equity' and 'usable equity'. As the name suggests, usable equity is the amount of equity you have to actually borrow against, which usually sits at about 80% of your property's value minus the balance of your home loan. Our Mortgage Broker Eltham team will be able to talk you through the options to use your available equity.

What are interest only repayments?

Some investors choose to go 'interest only' for a period of time on their investment loan. By paying only the interest due, investors free up cash to use for other investments while also minimising costs while the market value increases. But it looks different for everyone, so make sure you chat to our Mortgage Broker Eltham team first.

Contact our Investment loans team in Eltham

Access personalised investment loan advice from the team at Mortgage Choice in Eltham. As your local Mortgage Brokers, we service the areas of Eltham, Greensborough, Doncaster, Templestowe and Diamond Creek, but also support clients Australia-wide by phone or video. Book a chat with our team or pop by our office at 739A Main Road Eltham VIC 3095. We would love to see you!

Call Mortgage Choice in Eltham on 03 9432 5484 or request a call back below.

Call: 03 9432 5484 Request a call back