How to get your first investment loan.

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Let’s get you started with investing in property the right way.

There’s no doubt about it – investing in property is one of the best ways to increase your wealth and set yourself up for the future. With the right property and financing, your assets will appreciate in value while returning a profitable yield from rental income. And since property value is not reliant on the unpredictable ups and downs of the stock market, it provides you with some much-needed stability and helps you to diversify your investment portfolio.

It’s important to start your property investment on the right foot. By organising your property portfolio with the right loan, you will be able to maximise your borrowing capacity and make every one of your hard-earned dollars work hard for you. When looking at negative gearing, capital gains tax, depreciation, offset accounts and other factors, the team at Auspak will make sure that you choose the right loan and product for your circumstances.

Here to help at every step of the way.

Local Mortgage Brokers Bondi

As experienced property investors ourselves, we have all the tools to help you find the right lending solution for your investment opportunity. We can review your requirements and make sure that they’re in line with what is needed for success! We’re happy to share an expert opinion and ensure you get all of the basics in place before moving forward.

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Finding the right loan product

During our obligation free assessment, we will analyse your own unique circumstances and discuss all of your options for financing. We will help you maximise your borrowing amount and minimise interest rates. When it comes to lending, having a lending product that suits is important to maximize your returns – we compare options across over 30 different lenders pairing investors with the best product for their situation.

mortgage Broker in Malabar, Pagewood, Bronte, Waverley
Engaging the Right

Depending on your investment strategy, you are going to need professional help. Finding the right professionals to work with can be costly, this is why we make sure you choose wisely, by providing assistance in finding professional help for different aspects of your investment strategy and project development needs. People you may need, include, conveyancers and solicitors, real estate agents, building and tradesman.

Frequently asked questions

The approval criteria for investment loans can get quite complicated, especially if you need to take into account negative gearing benefits or other factors to prove that you can afford the loan. Banks consider investment loans to be a higher risk than standard home loan, so you will need to be in a strong financial position to qualify.

Here are the basic lending criteria:

  •  5-10% of the property value in genuine savings
  • A good credit history, with an above average credit score
  • Stable employment

Auspak Home Loans is here to help you find the right lender for your investment strategy. The team at Auspak specializes in financing investment properties – whether it be bank or non-bank loans. We match you to the correct loan product according to your specific needs, no matter what type you require. Our goal at Auspak isn’t just getting everyone into property as quickly as possible, but instead helping you achieve long term affordability through responsible lending practices and debt reduction strategies.

There are several different strategies you can use to maximise your borrowing capacity and finance your investments. Here are a few simple tips:

Apply with a lender that has favourable lending criteria for investors

Apply for loans jointly with a spouse or family member so that your total household income can be taken into account

Reduce your credit card limits

Buy positively geared investment properties

Loan applications are assessed by banks and other lenders based on different criterias. You will often find that your borrowing capacity varies (sometimes quite substantially) depending on which one you choose to borrow from, depending on the lender that you choose. Here are some ways that lending criteria can differ:

Rental income – most banks will only take into account 70%-80% of your rental income, whereas others will consider up to 100%

Other income – lenders will differ in the way that they treat other income like overtime, bonuses, commission, allowances, dividends, trust distributions and self employed income

Negative gearing – not every lender takes negative gearing benefits into account

Learn more about investing in property

mortgage Broker in Malabar, Pagewood, Bronte, Waverley
Costs of buying and owning an investment property.
mortgage Broker in Malabar, Pagewood, Bronte, Waverley
Using a self-managed super fund for property investment.
mortgage Broker in Malabar, Pagewood, Bronte, Waverley
What is the difference between positive and negative gearing?
mortgage Broker in Malabar, Pagewood, Bronte, Waverley
Property investment at different life stages.

Lets us help you get started

mortgage Broker in Malabar, Pagewood, Bronte, Waverley
mortgage Broker in Malabar, Pagewood, Bronte, Waverley
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