Investment Property Loans

Buying your first or next investment property? We’re here to help you eliminate the headache of securing an investment home loan.

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Investment Property Loans in Sydney

Investment property loans are loans specifically designed for purchasing properties with the intent of generating rental income or capital appreciation, rather than for personal use. If you want to get into the business of real estate investing, getting an investment property home loan is a no-brainer. Such funding can help you acquire residential or commercial properties, such as rental homes, apartment buildings, and office spaces. These loans typically have different terms and requirements compared to traditional home loans, as they involve a higher level of risk for lenders. They also often require a larger down payment and may have slightly higher interest rates than loans for primary residences. Ready to invest in a property? We’ll make the whole process a lot easier for you.

How much will it cost you to own an investment property?

Immediate Ownership

You get to own the car immediately and use it as you need, even though you haven't paid the full price yet.

Flexible Terms

You can use the money however you want and run your business according to your plans, without giving up any ownership or profit to investors.

Credit Building

Successfully managing a car loan by making timely payments can help build or improve your credit score.

How much will it cost you to own a car?

Your owner-occupied home loan repayments

Estimated Property value:

Loan Amount:

Property type:

Owner Occupied Investment

Loan Term:

Repayment type:

Principal & Interest Interest

Your estimated repayments:

Principal and interest period

$0.00

Variable interest rate:
Comparison rate:
Total interest payable: 6.14% p.a.
6.14% p.a.
$571,628

Things to consider before buying an investment property

Below are some things you need to consider before investing in a property:

The property

Before buying an investment property, research the location, property type, and market conditions. Also, inspect the property for necessary repairs and budget accordingly.

The risks of investing in property

Keep in mind that property investing also has some risks. You may face rental income uncertainty, market fluctuations, negative gearing losses, and capital gains tax when you sell.

The types of investment home loans available

You may borrow money to invest in property, but the rates and criteria may vary depending on several factors. This is where our expertise comes in. We’ll help you compare different lenders and find the best option for your situation.

With 50+ lenders at your fingertips, you have the power of choice

When you set out on your own seeking a loan, banks have the power to reject you. But with us on your side, it’s the other way around. We choose the most suitable loan for your unique needs.

You’re only 3 steps away from your financial goal

Why Lend & Loan

10 years of experience

We’ve been doing this for a decade, so we’ve built strong connections with lenders and we know their lending policies inside out. This helps us find the right loans that suit your needs.

One-touch approvals

We know exactly what banks and other lenders require from the get-go. We’re experts at putting together foolproof loan applications that lenders approve without further questions.

Accessibility

We’re not like your typical 9-5 mortgage brokers. You can reach us when you need us, and we’ll get back to you within four hours.

Efficient processes

We understand that you’re busy, so we keep things simple. We try to avoid in-person meetings to save you time and make the loan process easy and stress-free.

Don’t take our word for it, take theirs.

We’ve helped hundreds of Australians
get approved for a loan and achieve their financial goals. Hear it from our
happy clients.

John has been absolutely brilliant! Helped me all the way through the application process and explained everything step by step. Great to have him in my corner navigating through interest rates, products, etc. Thank you!

Peter Hanna

John and the team at Lend & Loan have been great through the process of our loan application. They were very responsive and always made my wife and I confident we were in the right hands. Highly recommended.

Luke Saide

John from Lend & Loan was incredible during the process of buying our first home. He was very professional, quick at responding and was happy to answer any questions we had. I would highly recommend him to all my friends & family.

Rachelle Obierzynski

John has been amazing to deal with from the beginning. He has been extremely patient, professional and optimistic throughout the whole process with our application and we can’t thank him enough for all his hard work! Highly highly recommend him. Thank you again!

Maryanne Layoun

Looking to make a purchase or investment?

Find out how much you can borrow.

Frequently Asked Questions

What's the minimum down payment for an investment property loan?

The minimum down payment typically ranges from 20% to 25%, but it can vary based on factors like the loan program and your financial qualifications.

How do investment property loan interest rates compare to primary residence loans?

Interest rates for investment property loans are usually slightly higher than those for primary residences because they carry a higher risk for lenders.

Can I use rental income to qualify for the loan?

Yes, you can often use expected rental income to qualify, but lenders typically require a history of rental income and may use a percentage of that income in their calculations.

Should I get a fixed-rate or adjustable-rate mortgage for my investment property?

The choice between fixed or adjustable depends on your risk tolerance and investment strategy. Fixed-rate loans offer stability, while adjustable-rate loans can have lower initial rates but may adjust over time.

Do I need a property management plan to get an investment property loan?

While it's not a requirement, having a property management plan can improve your loan application, demonstrating how you'll manage the property and generate rental income.

Can I use equity from an existing investment property to fund a new purchase?

Yes, you can often use the equity in one property as a down payment or to finance another investment property, either through a home equity loan or a cash-out refinance.

How long does it take to hear back from the bank?

Each bank has different Service Level Agreements (SLAS). However, generally within 2-3 business days.

What documents do I need to provide?

The required documents vary, but common ones include proof of income, bank statements, tax returns, and identification. We'll provide you with a checklist and help you gather everything needed for your application.

Can you help with different types of mortgages?

Absolutely. We assist with various mortgage types, including fixed-rate, variable-rate and split loans to best align with your needs.

Are there any upfront fees?

We do not charge upfront fees to borrowers. Our earnings come from the lender once the loan is secured. Due to increased demand for our services, we may charge you a fixed fee for Pre-approval as they do require significant resources and time to obtain. Many lenders have moved away from providing pre-approvals as 8 in 10 pre-approvals don’t proceed to purchase.