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overview
Investment Loans: Fuel Your Property Investment Journey
At Deals4Loans, we understand that property investment can be a powerful wealth-building strategy. Our Investment Loans service is designed to help you maximize your investment potential, whether you’re purchasing your first investment property or expanding your existing portfolio.
Why choose
Deals4Loans for Your Investment Loan?
Investment Lending Expertise
Our brokers specialize in investment property finance, understanding the unique needs and strategies of property investors.
Extensive Lender Network
We partner with a wide range of lenders, giving you access to competitive investment loan products not always available directly to the public.
Tailored Strategies
Tax-Effective Solutions
We help structure your loans to maximize potential tax benefits, in consultation with your accountant or financial advisor.
Ongoing Portfolio Support
OUR Genre
Types of Investment Loans We Offer
Standard Variable Rate Loans
- Flexibility to make extra repayments
- Often come with offset accounts to help reduce interest
Fixed Rate Loans
- Lock in your interest rate for a set period
- Provides certainty for budgeting and cash flow planning
Interest-Only Loans
- Lower repayments during the interest-only period
- Potentially tax-effective, depending on your situation
Line of Credit
- Access equity in your existing properties
- Flexible funding for further investments or improvements
Construction Loans
- Suitable for investors building new properties
- Progressive drawdown to align with construction stages
Commercial Investment Loans
- For purchasing office spaces, retail outlets, or industrial properties
- Often require larger deposits but may offer higher returns
Years of Experience
OUR FEATURES
Key Features of Our Investment Loans
Competitive Interest Rates
We leverage our lender relationships to secure favorable rates.
Interest-Only Options
our lenders offer interest-only periods to manage cash flow.
Redraw Facilities
Access additional repayments you’ve made if you need extra funds.
High Loan-to-Value Ratios
Borrow up to 95% of the property value with LMI.
Offset Accounts
Reduce your interest payments by offsetting your savings against loan balance.
Split Loan Options
Combine fixed and variable rates to balance certainty with flexibility.
STEPS
Our Investment Loan Process
Initial Consultation
We discuss your investment goals, current portfolio (if any), and financial position.
Investment Strategy Review
We analyze your investment strategy and suggest loan structures to support it.
Loan Comparison
Our experts search and compare investment loan products from our extensive lender panel.
Strategy Presentation
We present tailored loan options, explaining the benefits, costs, and potential tax implications.
Application Support
We assist in preparing a comprehensive loan application, including all necessary documentation.
Approval Management
We liaise with the chosen lender to secure your loan approval.
Settlement Coordination
We work with all parties to ensure a smooth settlement process.
Ongoing Review
We provide regular reviews to ensure your loans continue to meet your evolving investment needs.
Tools and Resources
To support your property investment journey, we offer:
Investment Loan Calculators
Rental Yield Calculator
Property Market Reports
Negative Gearing Guides
Regular Investment Strategy Webinars
Tax Saving Mutual Funds
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Strategy Building
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Customers Support
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Investment Property Considerations
When investing in property, consider
Rental Yield
The annual rental income as a percentage of the property value.
Capital Growth Potential
The likelihood of the property increasing in value over time.
Negative vs. Positive Gearing
Understanding the tax implications of your investment strategy.
Property Management
Deciding whether to self-manage or use a property manager.
Diversification
Considering different property types and locations to spread risk.
Exit Strategy
Planning how and when you might sell or refinance in the future.
Freequently Asked Question
How much can I borrow for an investment property?
Your borrowing capacity depends on various factors including your income, existing debts, the potential rental income from the property, and the lender’s criteria. We can provide a personalized assessment of your borrowing power.
Are interest rates higher for investment loans?
Investment loan rates are often slightly higher than owner-occupier rates. However, we work hard to secure competitive rates for our investors, and the interest on investment loans is generally tax-deductible.
Can I use equity in my home to invest in property?
Yes, many investors use the equity in their home or other properties to fund deposits for investment properties. We can help you assess how much equity you have available and the best way to access it.
Should I choose an interest-only or principal and interest loan for my investment property?
This depends on your investment strategy and financial situation. Interest-only loans can maximize tax deductions and improve short-term cash flow, but principal and interest loans build equity faster. We can help you weigh the pros and cons based on your circumstances.
Get Started Today!
Ready to take the next step in your property investment journey?
Whether you’re a first-time investor or looking to expand your portfolio, Deals4Loans has the expertise to help you secure the right investment loan.
Contact our team today for a no-obligation consultation. Let’s work together to build your property investment success!
Find Us
1c Hamilton street