Investment Property Loans
The Wrong Loan Could End Your Investment Journey – Get It Right From the Start
- Investment loans tailored to your strategy.
- Access to 45+ trusted investment lenders.
- No upfront loan fees.
- Helping to protect your future borrowing capacity.
- Property and finance working together.
Finance for Investment Property That Supports Your Goals
Getting your property loan accepted is important … but making sure that the finance works with your investment plan, your current circumstances, and your ultimate objectives is crucial.
Too many investors just compare interest rates and think that the one with the lowest rate must be the best. Yet the lender policies, the loan structure itself, repayment options, and your borrowing capacity will have a much larger impact on your success than a fraction of a percent off your interest rate.
Whether you’re buying your first investment property or expanding your portfolio, Mirren Finance Strategies looks at more than the numbers. With access to a wide range of lenders, we’ll help you find investment property loans that support the lifestyle you want today while creating opportunities for the future you dream of.
Don’t Let the Wrong Loan Limit Your Future
Choosing the Right Investment Property Loans in Australia
Behind every single loan are the lender’s policies, lending structures, and a range of features that are either going to support your investment ambitions or hold them back. Although these details aren’t always obvious when you start comparing finance, they usually have the greatest influence on the success of your investment.
That’s why the right investment property loan should provide you with more than an attractive interest rate:
A structure that suits your strategy
As different investment goals require focused lending solutions that align with your plans.
Investment property borrowing capacity
Ensuring your loan supports future opportunities instead of restricting your next investment.
Useful loan features
Like desirable repayment options, offset accounts, redraw facilities, and access to equity.
Future flexibility
Diversification
Spreading your lending across different banks and property types if appropriate, to help lower your risks on just one lender.
Sensible finance structuring
With access to more than 45 lenders, Mirren Finance Strategies compares loan structures, lending policies, and long-term outcomes to help find you the best investment property loan in Australia for your goals.
Don’t Choose Your Loan Alone
Our Investment Finance Services
At Mirren Finance Strategies, we don’t only want to help you secure a loan … we want you to achieve your investment dreams and build a powerful property portfolio.
We do that by combining targeted finance strategies with access to specialist lending solutions. Whether you’re wishing to structure your investment finance or find funding for a new-build project, our experienced team will guide you at every step.
Finance Strategies
Explore Our Finance Strategies
Construction Loans
Building a new investment property needs specialist finance that’s completely different from a standard home loan. We simplify construction finance, explain and coordinate every stage of the process, and ensure your loan complements your broader investment strategy.
Learn More About Construction Loans
Investment Property Loan vs Home Loan
An investment property mortgage in Australia might not initially seem too different from a standard home loan. Both allow you to buy a building, they need regular repayments, and are typically secured against property. But, their function, eligibility criteria, and requirements can be quite dissimilar.
The Main Differences Between Investment and Home Loans
- Loan purpose – home loans are so you can buy a property you can live in, while investment property finance is used to purchase assets that create income.
- Deposit – depending on the real estate investor lenders and your circumstances, investment property generally needs a larger deposit than an owner-occupier loan.
- Lending assessment – lending for investment is looked at differently to home mortgages, examining factors such as your existing portfolio, potential rental income, future borrowing potential, and overall investment strategy.
- Interest – an interest-only investment loan in Australia is popular, unlike home loans, which are mainly principal and interest.
- Tax treatment – the interest on an investment property loan may be tax-deductible, not so for a home loan. Always seek advice from a qualified accountant.
Unsure if an Investment Loan Is Right for You?
Understanding Your Investment Property Borrowing Capacity
Obtaining investment property finance in Australia for a single property can be relatively straightforward. However, if the loan isn’t structured correctly, or the building you buy doesn’t form part of a well-planned strategy, that purchase could be your last.
Every investment loan can affect your future borrowing capacity. Your income, existing debts, living expenses, lender policies, and the way your finance is coordinated can all affect how much you may be able to borrow in the future … and ultimately, whether you can build a strong portfolio.
What Influences Your Borrowing Capacity?
- Your income – salary, business income, rent from other properties, and other sources of earnings.
- Existing finance commitments – like home loans, personal loans, credit cards, and other obligations.
- Living expenses – lenders might look at your regular household spending when deciding how much you can borrow comfortably.
- Your current portfolio – such as existing investment properties, rental income, and available equity.
- Finance structure – the optimum loan structure can help increase adaptability and give you opportunities for future investments.
Therefore, as a responsible, proactive, and future-thinking investment property mortgage broker, we don’t start by seeing how much you can borrow. We begin by considering how your finance can be structured to help you continue to grow your portfolio and reach your investment ambitions.
Borrow With Your Future in Mind
Using Equity To Buy Investment Property
When thinking about how to finance an investment property in Australia, investors typically assume that they need to have saved a massive cash deposit before they can get a loan.
But, it’s possible to use the equity you’ve already built up in an existing property to reduce, or negate, the deposit requirement.
Generally speaking, equity is just the difference between your property’s current value and the amount you still owe on it. So, over time, if your property increases in value and your loan balance reduces, you may build capital that could potentially be used to make future investments.
How Equity Can Help You Invest
- Reduce the amount of cash you need – you could use equity towards your deposit and purchasing costs, depending on your circumstances and the lender’s requirements.
- Keep you moving forward – instead of waiting for years to save another deposit, using equity may allow you to take advantage of suitable opportunities sooner.
- Support portfolio growth – when used with a strategy, equity can help you continue building your property portfolio without relying only on savings.
How Mirren Finance Strategies Can Guide You
Although equity can be a powerful investment tool, it’s important that you use it carefully. Accessing too much equity … or structuring it incorrectly … could negatively affect your borrowing capacity and future investment opportunities.
That’s why we begin by looking at your ultimate objectives. Only by grasping your goals first can we recommend whether using equity is the right approach. If it is, we’ll help structure your finance so it supports both your current investment and the portfolio you’re working towards.
Your Next Investment Opportunity Could Already Be in Your Existing Property
Why Investors Choose Us for Investment Property Loans
When you’re looking for investment property loans … getting approved and finding a competitive interest rate are naturally important. But, making sure your finances support your future ambitions, the life you want to live today, and the portfolio you’re working towards are equally, if not more, important.
And that’s why speaking to Mirren Finance Strategies is vital.
How You Benefit From Working With Us:
Your goals always come first
Our process starts by looking at what you want your investments to do before looking at loans and lenders.
Investment strategies before finance
Access to a wide range of lenders
Proactive future planning
Researching opportunities
Supporting you from beginning to end
Build Your Portfolio With the Right Finance
Ready To Find the Right Investment Property Loan?
The right investment property loan is a building block for your portfolio and a route towards your future goals.
Before comparing lenders or applying for finance, book a free consultation with our team. We’ll help you understand your options, identify the loans that are most suited to your circumstances, and create a finance strategy designed around your future.
Investment Property Loan FAQs
Have More Questions About Loans for Investment Properties?
How Do Lenders Calculate Rental Income for Borrowing Capacity?
When looking at your application for residential investment loans in Australia, banks don’t use 100 percent of your current rental income. Instead, most lenders use a policy called rental shading.
This means your rental income is trimmed down to around 70-80 percent … building in a kind of safety cushion for future vacancies and expenses.
How Much Do I Need for an Investment Property Deposit in Australia?
Generally speaking, the set of investment property lending criteria in Australia means you need a minimum of 20 percent of the property’s purchase price as a deposit.
That said, this can depend on your lender, current finance circumstances, and the type of property you’re buying. Some investors use savings for their deposit, while others may be able to use equity from an existing property they own.
Can I Get an Investment Property Loan If I Already Have a Home Loan?
Yes! Many Australians have finance for their own home and further finance for one or more investment properties. Having an existing home loan doesn’t automatically prevent you from investing … although it will most likely form part of your borrowing assessment.
Is It Best to Use a Mortgage Broker for an Investment Property Loan?
For most investors, it definitely is. An experienced investment mortgage broker will compare a wide range of lenders, explain the differences between products, and recommend finance that’s designed around your investment goals.