Investment property loans can help you...
... grow your investment property portfolio, build long-term wealth and live life on your terms!
Having the experience of a dedicated Rise High Mortgage Broker, who is also an experienced Property Investor in his own right, can make a massive difference in helping you access the right investment property loans to achieve your financial dreams and goals.
Our award-winning team is here to guide, support and empower you every step of the way!
Finding the right structure for your investment property loans, to provide the optimal balance of cost, flexibility, tax effectiveness and future opportunity.
Your Rise High Mortgage broker will take the time to understand your personal situation, goals and priorities (both short and long-term) to help you find the right investment property loan.
Let our award-winning team review all the lenders on our extensive lender panel (of over 70 lenders) looking at their credit policies, application criteria, fees and charges (including any potential refinance costs), and spend time negotiating with lenders on your behalf to offer you the best outcome with each potential lender.
To help you make your decision on which investment property loan and lender are right for you, we will present you with a detailed loan comparison table that compares the top lender options suited specifically to your needs.
When we meet with you, our team will go through your personalised investment property loan comparison report in detail, answering any questions you may have so that you can feel excited and confident about your decision.
Because we would have already undertaken extensive analysis work prior to providing you with advice, you can be confident that the lender options we present you with are all viable options that would result in a positive outcome, allowing you to achieve your goals and dreams.
We are here to find the right investment property loan to and help you develop a clear strategy that can support your current lifestyle whilst enabling you to achieve your future goals!
Beyond Investment Property Loans
Discover how your dedicated Rise High broker can add value to you above the finance
How much can you borrow?
Find out how much you can borrow and set realistic goals to support the growth of your investment property portfolio
Find the right Investment Property Loan!
Discover the right structure and investment property loan features to maximize your returns
We also suggest that you explore our Helpful tools and calculators, and have a look at some of our Frequently Asked Investment Property Loan Questions
Investment Property Loans and more...
Here's how we add value to you above the finance.
At Rise High, we love building meaningful long-term relationships with our clients to support them through every stage of their life and property investment journey.
At the very beginning of the process, we will send you a list of documents for you to upload into your personal Rise High portal. These documents will give us an understanding of your current financial position and will allow us to calculate your borrowing capacity.
We can also explore any potential equity you may have and start to work with you on developing a plan to support your property investment and long-term retirement goals.
Your Rise High Mortgage broker can also undertake a property investment strategy session with you and, as one of our valued clients, you will also have the opportunity to come along to our property investment seminars to discover great information and education that will help you grow your investment property portfolio.
Furthermore, we can also assist by arranging a pre-approval for our investment property loan so that you can shop with confidence.
How much can I borrow?
Before you start looking for a specific investment property it is important to understand how much your investment property loan will enable you to borrow.
Your borrowing capacity can change and will depend on various factors including how much you earn and what your living expenses are.
As a property investor, there are many questions you might want to explore. At Rise High, we would love to empower and educate you as you embark on this journey!
The right Investment Property Loan to set yourself for success!
Whilst many people will focus on your loan’s interest rate and cost as first priority when considering investment property loan options, the reality is, finding the right loan structure and features can be much more important for your financial future.
Whether you are looking to buy your first investment property, grow your investment property portfolio or refinance, we can help you choose the right loan product to help you save money and maximise your returns long-term, allowing you to achieve your dreams and goals sooner!
In order to do so, we will take into consideration important factors that include your loans’:
Your investment property loans’ structure:
Making your long-term goals and dreams the starting point, your Rise High Mortgage Broker will help you find the best-suited lender, product, and investment property loan to support your journey.
In determining the optimal structure for your loan we will help you avoid cross-collateralisation, maximise good debt while minimising bad debt and get the right ownership and tax structure.
Some of the considerations around this topic include questions like:
- How long are you planning to keep your investment property?
- Should your investment property loan have Interest Only repayments or Principal and Interest repayments?
- Should your investment property loan have a Variable or Fixed Interest rate?
- Should you consider a home loan instead?
- What is the ideal ownership structure of your property and will your investment property loan reflect this or be slightly different?
- If refinancing, what is the value of your property in comparison to the level of your debt?
- How much money have you saved and how much are you prepared to use for the purchase of your investment property?
- Will you need to pay Lenders Mortgage Insurance?
- Do you require a lender who will look favourably on your loan application despite any previous credit defaults or adverse credit history?
- Do you have other expensive debts that you would like to roll into your new loan?
- Do you currently have previous loans that might be cross-collateralised?
- How quickly will you need your investment property loan to be approved and settled?
Choosing the right investment property loan features:
It’s easy to overlook the features when applying for a loan, but these extras can potentially save you a lot of money throughout the life of your investment property loan!
Common examples of loan features that you can consider include redraw, offset accounts, direct salary crediting, and early repayment options. Less common features (but also worthy of consideration) include umbrella limits, honeymoon rates, repayment holidays and portable loans.
Some lenders will include features for free, whilst others add on extra charges for these. Understanding what features you need can help you identify a lender that can offer you options in a cost-effective way to make the most of your investment. We are always here to help and guide you through this process!
In determining the investment property loan features that will benefit you we will explore questions like:
- How quickly do you expect your savings balance to grow whilst also meeting your investment property loan repayments?
- Would you benefit from having an offset account (or multiple offset accounts) linked to your investment property loan?
- Should you utilise a redraw feature and is this a good idea considering your future goals?
- How do you like to manage your money? eg. do you simply run all your income and expenses out of one bank account or do you like to have multiple bank accounts earmarked for different purposes?
- Do you want to have access to a physical bank branch or are you comfortable using internet banking and/or a banking app?
- Would you like the ability to make extra repayments on your loan whenever you like?
- Would you like the ability to pay off your investment property loan early without penalty?
- How soon do you want to purchase your next investment property?
- Would you like monthly loan repayments or prefer weekly or fortnightly options?
What is your investment property loan’s actual cost?
Although using the interest rate to compare investment property loans is a good starting point, it is important to also consider all of the fees and charges related to each investment loan option (Lenders Mortgage Insurance (LMI) can be a great example of the kind of fees you will want to keep in mind).
Upfront fees like application fees and establishment fees, and ongoing monthly or annual fees can make a big difference to the overall costs of your loan.
Your Rise High Mortgage Broker will explore the thousands of investment property loan options across our extensive lender panel, preparing a detailed and simple comparison table to present you with the 5-6 best loan options to support your goals.
Your investment property loans' structure:
Making your long-term goals and dreams the starting point, your Rise High Mortgage Broker will help you find the best-suited lender, product, and investment property loan to support your journey.
In determining the optimal structure for your loan we will help you avoid cross-collateralisation, maximise good debt while minimising bad debt and get the right ownership and tax structure.
Some of the considerations around this topic include questions like:
- How long are you planning to keep your investment property?
- Should your investment property loan have Interest Only repayments or Principal and Interest repayments?
- Should your investment property loan have a Variable or Fixed Interest rate?
- Should you consider a home loan instead?
- What is the ideal ownership structure of your property and will your investment property loan reflect this or be slightly different?
- If refinancing, what is the value of your property in comparison to the level of your debt?
- How much money have you saved and how much are you prepared to use for the purchase of your investment property?
- Will you need to pay Lenders Mortgage Insurance?
- Do you require a lender who will look favourably on your loan application despite any previous credit defaults or adverse credit history?
- Do you have other expensive debts that you would like to roll into your new loan?
- Do you currently have previous loans that might be cross-collateralised?
- How quickly will you need your investment property loan to be approved and settled?
Choosing the right investment property loan features:
It’s easy to overlook the features when applying for a loan, but these extras can potentially save you a lot of money throughout the life of your investment property loan!
Common examples of loan features that you can consider include redraw, offset accounts, direct salary crediting, and early repayment options. Less common features (but also worthy of consideration) include umbrella limits, honeymoon rates, repayment holidays and portable loans.
Some lenders will include features for free, whilst others add on extra charges for these. Understanding what features you need can help you identify a lender that can offer you options in a cost-effective way to make the most of your investment. We are always here to help and guide you through this process!
In determining the investment property loan features that will benefit you we will explore questions like:
- How quickly do you expect your savings balance to grow whilst also meeting your investment property loan repayments?
- Would you benefit from having an offset account (or multiple offset accounts) linked to your investment property loan?
- Should you utilise a redraw feature and is this a good idea considering your future goals?
- How do you like to manage your money? eg. do you simply run all your income and expenses out of one bank account or do you like to have multiple bank accounts earmarked for different purposes?
- Do you want to have access to a physical bank branch or are you comfortable using internet banking and/or a banking app?
- Would you like the ability to make extra repayments on your loan whenever you like?
- Would you like the ability to pay off your investment property loan early without penalty?
- How soon do you want to purchase your next investment property?
- Would you like monthly loan repayments or prefer weekly or fortnightly options?
What is your investment property loan's actual cost?
Although using the interest rate to compare investment property loans is a good starting point, it is important to also consider all of the fees and charges related to each investment loan option (Lenders Mortgage Insurance (LMI) can be a great example of the kind of fees you will want to keep in mind).
Upfront fees like application fees and establishment fees, and ongoing monthly or annual fees can make a big difference to the overall costs of your loan.
Your Rise High Mortgage Broker will explore the thousands of investment property loan options across our extensive lender panel, preparing a detailed and simple comparison table to present you with the 5-6 best loan options to support your goals.
Explore some of our Tools and Calculators
Borrowing Capacity Calculator
Loan Repayment Calculator
Ready to find out more?
Our award-winning brokers are always here to support you in achieving your financial goals. With a fee-free service, complimentary loan reviews that save you money, and regular updates and communications, you can always be confident to have a lifelong financial partner that will keep your best interests at heart!
What are you waiting for?
Other Frequently Asked Investment Property Loan Questions:
Still looking for an answer? Here are some common questions you may want to explore when looking for the right investment property loan: