Investment Property Loans & Mortgage Strategy

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With RBA's decision not to increase interest rates in December 2023, the market seems to be gaining confidence that perhaps interest rates have peaked.  Pundits expect rates to fall in second half of 2024.  These conditions will encourage investors to return to the market.

It's the great Australian dream to own your home.  For many lucky people, their dream stretches that little bit further...to own an investment property.  The expectation of a capital gain and tax benefits through negative gearing can make this a productive investment. 

While investment property loans are similar to the mortgage you would get for your own home, there are some differences which are important to understand ...preferably before you buy!  For example, you may need a higher deposit, the interest rate will probably be higher.  And the considerations of whether you choose Principal and Interest repayments, or just interest-only, are different than with your own home.

 

As well as being a Mortgage Expert, I've also been a property investor myself, so I understand the landscape.  I can help you determine your best mortgage strategy, which may include equity release from your own home to build a deposit for your investment property.  I can then help you find the best lender and loan appropriate to your financial and other circumstances.  

From my office in Oakleigh, I have helped many local clients in the surrounding Carnegie, East Malvern, Ashburton, Ashwood and Burwood areas...and all over Australia.  Many more of my meetings with clients are now by call or Zoom.

We'll search across more than 35 lenders, including the big 4 banks, to find the right home loan for you.

Whether you'd like some initial guidance or you're ready to jump right in, contact me or Book a Call or Zoom (15, 30 or 45 mins) today and get your property investment journey underway.

Cheers, Marvin Ph 0406 507 840