Things we’ll explore in our first chat:
Goals: understanding what you’re looking for
Borrowing power: how lenders assess your financial position
Using equity: whether it’s possible and how to do it safely
Structure: fixed vs variable, split loans, offset and redraw
Timing: getting to pre-approval and what comes next
This is for you if:
You’re buying your first home, upgrading, downsizing or building.
This is for you if:
You’re buying your first investment or growing your portfolio.
To explore in our first chat:
Goals: understanding what you’re looking for
Borrowing power: how lenders assess your financial position
Using equity: whether it’s possible and how to do it safely
Structure: fixed vs variable, split loans, offset and redraw
Timing: getting to pre-approval and what comes next
Investment Loan FAQs
Investment Loan FAQs
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Yes, most lenders include rental income, but they may ‘shade’ it, only taking part into account. We’ll check how different lenders assess it and what that means for your borrowing power.
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Interest-only can help cash flow. Principal and interest reduces the loan faster. We’ll match the option to your strategy and serviceability.
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Often, yes, depending on your property value, equity, and lender assessment. We’ll help you understand what’s possible and what’s sensible.
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It can be useful for flexibility. However, depending on your longer term goals, other options may be more suitable for tax planning. We’ll compare the cost vs benefit based on how you’ll use it.