INVESTMENT PROPERTY LOANS
Investment lending, explained clearly.
An investment loan should be considered alongside your cash flow, commitments and longer-term plans. We help you compare suitable finance options, without promising returns.
A clearer picture before you decide.
Assess your borrowing position
We consider income, existing debts, expected rent and lender assessment requirements. Rental income may be discounted and a valuation is usually required.
Compare loan structures
We explain variable, fixed and split-rate options, repayment types and features. We also discuss the implications of using existing equity as security.
Plan for ongoing costs
Allow for vacancies, maintenance, insurance, rates and repayment changes. Your accountant and financial adviser can help with tax and broader investment decisions.
Personal support, step by step.
01 Talk through your plans
We discuss the proposed purchase, existing properties, savings and cash-flow priorities.
02 Assess suitable lending
We compare lender policies, costs and features, explaining security arrangements and repayment trade-offs.
03 Apply and review
We guide the application through settlement and offer ongoing reviews as your portfolio or circumstances change.
Is interest-only right for an investment loan?
It depends on your circumstances and lender criteria. Interest-only repayments do not reduce principal during that period, and repayments can rise when it ends. Seek independent tax advice before deciding.
Start with a conversation, not a commitment.
Speak directly with Nicholas about your plans and questions. You do not need to have everything worked out before getting in touch.
General information only, not personal financial, tax or legal advice. All lending is subject to application, lender approval and eligibility criteria.