Investment Property Home Loan

Home Loan for Investment Property

At Mortgage Pros, we treat your investment property loans as if they are ours. Grow your wealth and get approved on your home loan for your next investment property by partnering with us today.

Whether it’s your first time investing in a property or you are an expert seeking to diversify your property portfolio, we’ve got you covered. We deal with investment property financing daily and quickly take you through the right type of finance options.

Our mortgage specialists have worked in lending institutions in the past, so we know how to get tough home loans approved. You also get access to special lending divisions of partner banks not available to the public. 

Mortgage Pros will represent your application and negotiate the best investment property loan rates so you can maximise your ROI.

Expect faster turnaround times and find the best interest rates in Australia by partnering with Mortgage Pros.

Grow Your Investment Portfolio With Mortgage Pros

Mortgage Pros is a multi-award-winning mortgage brokerage firm that leaves no stone unturned in providing the best results to our customers. Our strategic approach consists of extensive market research, reviewing credit policies, negotiating with credit managers, and thoroughly comparing interest rates among 40+ partner lenders.

Save the hassle of combing through the fine print as we provide you with industry-leading advice on what type of investment loans best suit your goals.

Here are some questions from many of our investment property customers looking for financing. 

Do I Need a Mortgage Broker For Property Investing?

Seeking finance among several lenders to invest in a property can be challenging to do at once. The time, energy, and resources you spend hopping between banks and financing institutions can be exhausting for new and experienced investors.

However, that’s where our mortgage professionals can help. We save you time and money by quickly helping you with the following:

  • Determine and evaluate your current borrowing capacity
  • Prepare all necessary documents to speed up your loan application
  • Help you build enough equity and establish an accurate property budget threshold
  • Design a sustainable long-term investing and financing strategy
  • Quickly compare the best institutions with reliable partner specialists (tax experts, mortgage brokers, solicitors, buyer agents)

Speak with our mortgage specialists and find your best home loan options in less than 24 hours. Our specialists work fast to deliver you the best results.

What LVR Should I Get for My Investment Property Loan?

Like every other type of loan, investment property loans have an ideal loan-to-value ratio (LVR) of 80%. A higher LVR will increase the risk to your lender or bank, and you’ll have to pay for lenders’ mortgage insurance (LMI).

But professionals such as doctors, accountants, and physiotherapists can avail of higher LVR without paying for LMI. We can negotiate a higher LVR without you having to pay for LMI if you’re eligible. 

Contact us and speak with our senior mortgage brokers to find out how you can save on hefty LMI fees. We have achieved huge investment loan savings for many medical professionals across Australia and we’re confident we can do the same for you.

Do I Need to Make the 20% Loan Deposit?

A 20% loan deposit is required to avoid paying for any lenders mortgage insurance (LMI).

For some medical professions, lenders may accept a deposit amount between 5-10% of the property value. But if you can’t make the loan deposit, there are other options available to you such as providing loan securities or simply paying LMI. 

Additionally, we can help you apply for several government hardship grants. Our mortgage brokers will also negotiate with 40+ lenders to have you qualify for a family guarantee and leverage equity from a family member’s (parents’) property.

Your parents’ property will become your investment property loan security so you can get approved for finance at a significantly lower deposit amount.

There isn’t a right or wrong answer. If you’re unsure of your best options, we highly encourage you to speak to our senior mortgage brokers. Our brokers have assessed hundreds of loan applications and can provide sustainable lending solutions within just 24 hours.

Do I Need Pre-Approval for an Investment Property Loan?

Our mortgage specialists have helped Australian investors secure the best investment home loans to expand their portfolios. We do so by taking you through a pre-approval stage where we evaluate your loan application, work to strengthen your borrowing power, and then negotiate on your behalf for the best rates.

Existing homeowners that want to venture into investment properties may also use their home’s equity to secure the initial deposit.

Moreover, refinancing your old home loan releases the equity your home has accumulated over the years, eventually saving you thousands of dollars from LMI fees.

Reach out to us today, and we’ll discuss your property investment goals, your current borrowing power, and your financial capacity.

Our specialist mortgage brokers at Mortgage Pros will let you know how we can strengthen your borrowing power and use that advantage to negotiate better rates and more flexible loan terms.

How Do I Get Started With My Next Investment Property?

At Mortgage Pros, we’re the professionals who other professionals call for the best home loan deals in the market. We have developed a winning formula to help our clients all across Australia secure competitive home loan rates.

When you engage with us, our senior brokers will return you the best investment home loan options in less than 24 hours. No matter your unique financial requirements, our award-winning mortgage brokers have a solution for you. It’s simple; we write home loans for approved property investors.

Everything is risk-free, meaning you don’t have to pay us for our services. We work and negotiate on your behalf and are paid directly by the banks to create a win-win situation. Save time and money by speaking to us about your next investment property.

Get your best home loan deal in less than 24 hours!

We’re available 8am to 8pm, 7 days a week & work Australia-wide! There is no obligation, we‘ll get back to you within 5 minutes during business hours.