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Recent changes to investment loans by the Australian Prudential Regulation Authority (APRA) have made investment loans even more complex, and it is now vital you receive the correct advice.

In an attempt to slow down the housing market, in Sydney NSW especially, and make it more affordable for owner occupiers to purchase a home, APRA recently legislated that banks and lenders must not increase their mortgage portfolio by greater than 10% per annum.

As a reaction to this, and in an effort to slow down the number of new investment loan applications, the major banks reacted instantly and reduced the acceptable LVR’s and increased the interest rates on all investment loans.

As a professional mortgage broker we have access to lenders that still offer higher LVR’s and very competitive rates, and we have the knowledge and experience to find the best and most appropriate investment loan for you

We can advise you on:

  • Purchasing an investment property

  • Construction of an investment property

  • Self-Managed Super Fund loans

  • Loans to purchase shares, investments etc

Investment Loan options include:

  • Interest Only term loans

  • Lines of Credit

  • Fixed Rate or Variable Rate

For new investors we also offer a “Turn Key” investment service whereby we can facilitate a new house and land package for you with a developer or builder. You will have a choice of location, house plans, designs etc. A Turn Key package includes curtains, fences, appliances, driveways, landscaping etc and has many advantages including higher depreciation on the new property, lower maintenance, better quality of tenant and higher rents.

If you would like us to assess your eligibility or calculate your maximum borrowing power please complete the Needs Analysis form here and return it to us.

Budgeting is a very important part of the preparation for your loan application and assessing your borrowing capacity, plus the banks will require you to disclose your living expenses. Please click here for a handy budgeting tool you can use to assist you in calculating your expenses

Looking to invest?