Investment Loans
We have access to hundreds of investment loan options, let us help you with your investment loan
Rated 5 from 52 Reviews
We have access to hundreds of investment loan options, let us help you with your investment loan
Rated 5 from 52 Reviews
At Homeli Finance, we understand that investing in property can be a significant step towards building your wealth. Whether you are buying a first investment property or expanding your investment property portfolio, securing the right investment loan is crucial. Our expertise in the property market allows us to offer tailored solutions that suit your financial situation and goals. With a focus on providing access to investment loan options from banks and lenders across Australia, we aim to simplify the process, making it more accessible and transparent for clients nationwide.
When considering an investment loan, one of the first aspects to evaluate is the interest rate. The type of interest rate you choose—whether variable or fixed—can affect your overall financial outcome. Variable interest rates offer flexibility and may allow for interest rate discounts over time, which can be beneficial in a fluctuating property market. Alternatively, fixed interest rates provide stability with set repayment amounts, helping you plan your finances with certainty. Understanding these options is key to calculating investment loan repayments and selecting an option that aligns with your financial strategy.
Another critical factor in the investment loan application process is your borrowing capacity, which depends on several elements including your credit history and loan to value ratio (LVR). A strong credit history can enhance your chances of securing favourable terms, while the LVR influences the need for lenders mortgage insurance (LMI). Generally, a lower LVR reduces the risk for lenders, potentially eliminating the need for LMI and lowering the overall loan cost. This is particularly important when applying for an investment loan, as it directly impacts the loan amount you are eligible for.
The application process itself involves providing detailed information about your financial situation. This includes submitting bank statements and other financial documents to give lenders a clear picture of your borrowing capacity. At Homeli Finance, we offer a streamlined application process designed to make applying for an investment loan as straightforward as possible. We assist in calculating borrowing capacity, advising on the potential impact of stamp duty, and navigating the intricacies of the property market to ensure you make informed decisions.
Investing in property in Australia can be a rewarding endeavour, but it's essential to have expert guidance. At Homeli Finance, we are committed to helping you access the most suitable investment loan options available nationwide. Our experienced team provides support at every stage of your investment journey, from initial enquiries about an investment loan application to securing the best possible terms tailored to your needs.
Our goal at Homeli Finance is to empower you in the property market by offering personalised investment loan solutions. If you're considering a first investment property or seeking to grow your investment property portfolio, our team is ready to assist. Contact us today to discuss how we can help you achieve your investment goals with confidence.
Step 1: Initial Investment Loan Appointment & Finance Enquiry
Your journey begins with a chat with our experienced Finance & Mortgage Broker. We take the time to understand your unique situation, including any special policies that apply to you. During this stage, we discuss Investment Loan options from various lenders and assess your borrowing capacity and purchasing budget.
Step 2: Fact-Finding & Investment Loan Pre-Approval Application
Next, we conduct a thorough assessment of your financial situation—reviewing your financials, assets, credit history, and bank statements. This helps us determine your borrowing power and find the right loan for you.
At this stage, you may choose to apply for an Investment Loan Pre-Approval, which gives you clarity on your borrowing limit and allows you to confidently bid or make offers on properties. However, pre-approval is not compulsory—depending on your situation, there may be alternative options available. Contact us to find out the best approach for you.
Step 3: Property Hunting
With your finances in order, you can start searching for a property that suits your budget. Once you find the right investment property and your offer is accepted, you’ll need to pay an initial deposit. This marks a major step toward securing your new property!
Step 4: Formal Investment Loan Approval Application
Once your purchase is locked in, we submit the formal loan application with the signed Contract of Sale. The bank will then order a valuation of the property. If everything aligns, your loan is officially approved!
Step 5: Loan Settlement
As settlement day approaches, there are a few important steps to finalize, including:
✔️ Engaging a conveyancer
✔️ Conducting a building inspection
✔️ Signing the loan contract
✔️ Purchasing building insurance
✔️ Transferring any shortfall funds
Once settlement is completed, your Investment Loan is drawn down, and the property is officially yours! We’ll continue to support you by managing your loan repayments and ensuring you get the best rate moving forward.
Book AppointmentCT
Connor Tang
I just wanted to take a moment to sincerely thank Nacy for her outstanding professionalism and support throughout this process. Her attention to detail, prompt communication, and deep understanding of the requirements have made everything so much smoother. It’s truly been a pleasure working with someone so capable and dedicated.
VN
Vjollca Nela
Nancy was the best broker, very polite and honest person. She explained every detail about the situation and very precisely, she followed step by step all the procedure
xL
xuemei Li
Nancy is an excellent broker who promptly provided us with assistance and helped recommend loan products that are suitable for us. Thank you very much.
In most cases we don’t charge fees for home loan applications, the bank pays us a commission based on the settled loan amount. We will charge $990 for car and personal loans upon successfully obtaining the finance.
We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.
We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.
Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.
Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.
All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.
We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.
Homeli Finance ABN: 22 669 425 218, ALL RIGHT PTY LTD ABN: 22 669 425 218. Credit Representative #527964 is authorised under Australian Credit License #384704.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
Site by Broker Studio