Investment Loans
Mortgage Broker Central Coast | Investment Property Loans
Central Coast Mortgage Solutions
Investment Property Loans with a Mortgage Broker on the Central Coast
As your trusted mortgage broker on the Central Coast, we specialize in securing investment property loans to help you build wealth through real estate. Investment properties on the Central Coast offer excellent opportunities for rental income and capital growth, supported by Australia’s stable property market and tax incentives like negative gearing. Our expert brokers guide you through loan options, lending rules, and market insights to maximize your investment.
Understanding Investment Loans
Investment loans are tailored for purchasing properties to generate rental income or capital gains. These loans often have higher interest rates and stricter criteria than owner-occupier loans due to the perceived risk. Our Central Coast mortgage brokers work with you to find competitive loans, leveraging our network of lenders to secure favorable terms. Key features include:
- Loan-to-Value Ratio (LVR): Typically 80–90%, with Lenders Mortgage Insurance (LMI) required above 80%.
- Rental Income: Lenders consider ~80% of projected rental income to account for vacancies.
- Tax Benefits: Interest and fees are often tax-deductible, especially with negative gearing.
- Loan Types: Principal-and-interest, interest-only, fixed, or variable options.
Why Invest in Central Coast Properties?
The Central Coast’s property market is ideal for investors, with strong rental demand and potential for capital growth. Approximately 25% of Australia’s 9 million residential dwellings are rented privately, and the Central Coast’s lifestyle appeal drives tenant interest. Our brokers help you identify high-potential properties, from beachside units to family homes, ensuring your investment aligns with your financial goals.
Lending Rules and Tax Benefits
The Australian Prudential Regulation Authority (APRA) regulates investor lending, capping annual loan growth at 10% to prevent speculative bubbles. Lenders use a 2–3% interest rate buffer to assess serviceability, ensuring you can manage rate increases. Negative gearing allows you to deduct property losses against other income, a strategy our mortgage brokers on the Central Coast can help optimize.
In 2012–13, investors claimed $10.7 billion in rental expenses (excluding interest and fees), highlighting the scale of tax benefits. Capital gains tax (CGT) discounts of 50% apply for properties held over 12 months, enhancing long-term returns.
Key Investment Data
Median Investment Property Values and Loan Statistics
| Metric | Value |
|---|---|
| Median Dwelling Price (Dec 2024) | Declined 0.1% (first drop since Jan 2023) |
| Average Investment Loan Amount (2025) | $674,316 |
| Total Investment Loan Value (Apr 2024) | $10.9 billion (36.1% YoY increase) |
| Property Price Growth (2004–2015) | 68% across eight capital cities |
Lending Rules for Investment Loans
| Aspect | Details |
|---|---|
| Maximum LVR | 80–90% (LMI required above 80%) |
| Rental Income Considered | Typically 80% of projected rental income |
| Interest Rate Buffer | 2–3% above actual rate |
| APRA Investor Loan Growth Benchmark | 10% annual growth |
| Common Deposit Requirement | 10–20% of property value |
Investor-Owned Residential Properties
| Metric | Value |
|---|---|
| Share of Households Owning Investment Properties | ~20% (2.2 million investors in 2017–18) |
| Proportion of Dwellings Rented Privately | ~25% of 9 million dwellings |
| Investor Loans as % of Total Housing Loans | ~30% by number |
| Investors Owning 1–2 Properties | 90% of investors |
