Investment Property Home Loans
Realloans helps borrowers compare finance for a first residential investment, an additional investment property or refinancing an existing investment loan.
We review your borrowing position and proposed transaction, then discuss relevant lender options. Approval, terms and available products depend on lender assessment.
What Lenders Assess for an Investment Property Loan
Lenders assess investment-loan applications using their own policies and the applicant’s income, expenses, existing debts and other commitments. Existing or expected rental income may form part of that assessment, with its treatment depending on the lender and available evidence.
The deposit or available equity required depends on the property, loan structure, lender policy and applicant circumstances. A lender may also request investment-specific documents such as rental statements, a lease or evidence supporting expected rental income.
Available investment loans can differ in pricing, features and repayment structures, including principal-and-interest or interest-only options where offered. Realloans Australia can assess your circumstances and help you compare relevant options from lenders on its panel. Approval, pricing and product availability remain subject to lender criteria and assessment.
Investment Loan Broker Support
Discuss Your Investment Scenario
A Realloans mortgage broker can review whether you are buying your first investment property, adding another property or refinancing an existing investment loan, then explain relevant options available from lenders on its panel.
Compare Available Lenders
Available products, rates, fees, features and lending criteria vary by lender and applicant circumstances. Realloans can help you compare relevant options without guaranteeing a particular outcome.
Application Preparation
Realloans can help prepare and lodge the selected application and keep you informed during lender assessment. The lender decides approval, conditions and timing.
Support Through Settlement
Realloans can coordinate with you and the lender through assessment and settlement, while final requirements and timing remain subject to the lender and other parties.
Which investment-loan situation are you planning for?
Buying your first residential investment
Discuss the proposed purchase, deposit or available equity, existing debts and income evidence. Have any available property and expected-rental information ready. The lender decides how rental income and other commitments are assessed.
Adding another investment property
Provide information about existing properties, loan balances, repayments and rental income as well as the next purchase. Owning property does not automatically create usable equity or approval for further borrowing. Ask how the proposed loan would fit with existing commitments.
Refinancing an existing investment loan
Explain the reason for changing the loan and whether the amount, property use or repayment structure will change. Compare the costs of switching and the proposed terms. Additional borrowing and equity release need assessment. See Refinance Home Loans for the broader process.
If you are still considering a purchase, Home Loan Pre-approvals explains an indicative, conditional assessment. For broader residential loan information, see Home Loans. This page discusses finance, not property selection, tax or investment strategy.