Investment Loans

When considering an investment property loan, there are several key requirements to keep in mind. Firstly, maintaining a good credit history is crucial, as lenders will assess your creditworthiness before approving the loan. Additionally, you will need available funds or equity in another property to cover the deposit and associated costs, such as stamp duty.

Investing in residential or commercial properties can be a strategic move to boost your retirement income or provide opportunities for family and friends, such as holiday accommodations.

It’s important to note that investment property loans in Australia generally have higher interest rates compared to loans for primary residences. They also come with a restricted loan-to-value ratio (LVR), meaning the lender will only finance a certain percentage of the property’s value.

Interest rates for investment property loans can be variable or fixed. It is also possible to have a combination of both, with a portion of the loan on a fixed rate and the remainder on a variable rate. Repayments can be structured as principal and interest or interest-only, depending on your investment strategy and financial goals.

At Titanium Financial, we are dedicated to helping you secure an investment loan with the most competitive variable or fixed interest rate available. A lower interest rate translates to lower repayments, making your investment property more affordable.

We can also assist in minimizing the fees associated with your loan and provide mortgage options with beneficial features, such as an offset account. An offset account allows you to build up savings while reducing the interest charged on your loan. This feature can be particularly advantageous for investors who plan to convert their primary residence into an investment property in the future.

As an investor, it’s important to note that most expenses related to owning and maintaining your investment property are tax-deductible. This includes loan fees and interest charges, which can provide potential tax benefits.

At Titanium Financial, we are here to support you through the process of securing an investment property loan. Our team will ensure that you maximize your financial advantages while achieving your investment goals. Contact us today to discuss your investment plans and let us help you make informed decisions for a successful investment journey.