Sliding into your second property? Adding to your self managed fund? Looking at your cash flow or capital growth? Whatever your next step, we’re here to take out the hurdles.
The process.
Whether it’s your first time or you’ve done this before, familiarise yourself with the ins and outs of investment borrowing.
Your next investment starts by taking one minute to answer a few questions right here. After that, we’ll meet to discuss your goals, in person or online.
To find the most suited lenders, we’ll discuss your options and borrowing power. An existing property can be used as equity, which means you may not need as much deposit as you first thought.
Found a lender? Great stuff. We’ll do the paperwork to package, sign and lodge your documents.
Once pre-approved, your borrowing power will be revealed. Now you can make an offer on your next investment.
You’ve made your move and have just secured a property, all that’s left is the paperwork, which you can leave to us. We will work overtime to ensure your property is accepted by the bank. Grab a sharpie, because a settlement date will then be set in place.
It’s settlement time! We’ll coordinate with your solicitor or conveyancer and the lender, in line with the date on the contract. Once the settlement takes place, pop the champagne because you’ve just won the property game.
Loan types and features.
There are a number of loan types available to you; variable rates, fixed rates, guarantor loans and more, scroll through some of the options below to get a better understanding of what the differences are. We’re here to answer your questions when you’re ready.
Variable rate loan
As the name suggests, the interest rate can change over the life of the loan. This gives you flexibility, but can also leave you open to rate rises. These loans offer more flexible features like unlimited additional repayments, redraw, and offset accounts.
Fixed rate loan
Basically, this is the opposite of a variable rate loan. Your interest rate and repayments will stay the same during the fixed term, no matter what. So no surprises.
Split loan
You’re able to fix part of your loan, while leaving the rest variable.
Packaged loan
As the name suggests, the interest rate can change over the life of the loan. This gives you flexibility, but can also leave you open to rate rises. These loans offer more flexible features like unlimited additional repayments, redraw, and offset accounts.
Introductory rate loan
Basically, this is the opposite of a variable rate loan. Your interest rate and repayments will stay the same during the fixed term, no matter what. So no surprises.
Interest only loans
You’re able to fix part of your loan, while leaving the rest variable.
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