Understanding Investment Property Loans

An investment property loan is designed for individuals looking to purchase real estate intended to generate rental income or capital appreciation. These loans differ from owner-occupied home loans, often featuring distinct interest rates and lending criteria.

Key Features of Investment Loans

• Interest Rates: Investment property loans typically have higher interest rates compared to owner-occupied loans, reflecting the increased risk perceived by lenders.
• Loan-to-Value Ratio (LVR): Lenders may require a larger deposit, resulting in a lower LVR, to mitigate potential risks associated with investment properties.
• Repayment Options: Flexible repayment structures, including interest-only or principal and interest payments, allow investors to align loan repayments with their investment strategies.

Benefits of Investing in Property

• Rental Income: Generate a steady cash flow by leasing your property to tenants.
• Capital Growth: Benefit from potential appreciation in property value over time.
• Tax Advantages: Expenses such as mortgage interest and maintenance costs may be tax-deductible.

How Secure Finance Supports Your Investment Journey

• Personalised Advice: We assess your financial situation and investment goals to recommend suitable loan products.
• Access to Diverse Lenders: Our extensive panel includes over 40 lenders, ensuring competitive rates and terms.
• Streamlined Application Process: We guide you through each step, from pre-approval to settlement, ensuring a seamless experience.

Leveraging Equity for Investment

Utilising the equity in your existing property can be an effective strategy to finance additional investments. By accessing this equity, you can potentially secure better loan terms and expand your property portfolio without the need for substantial upfront capital.

Stay Informed with Real-Time Updates

The property market and lending policies are continually evolving. By registering for our real-time interest rate monitoring, you’ll receive timely updates, ensuring you’re always informed about opportunities to optimise your investments.

Learn more about how Open Banking can benefit you.