Investment Loans
If you’re expanding your portfolio or starting from scratch, Clark Finance Group can help you find the most competitive investment loan for your financial needs.
Ready to Invest?
Whether you’re a seasoned investor with an established property portfolio or looking to purchase your first investment property, we are here to help.
Investment property loans in Australia come in various solutions, and our job is to help you find the right option. We do all the heavy lifting, from comparing investment loans on your behalf to preparing your application and liaising with lenders to ensure your application is processed smoothly.
Let an experienced investment loan broker from Clark Finance Group help you to understand what’s possible, explore your options, and identify the property investing solution that is right for you.
Book a free consultation with Clark Finance Group today to discover how much you can borrow.
How Does Property Investing Work?
Once you have reduced the money you owe on your existing home loan, and/or when the property has risen in value, you may be able to release some of the equity you’ve built up as a deposit on a subsequent purchase.
If you have the right amount of income, you should be able to apply for an extended home loan, and then lease the property to a tenant to help cover the mortgage costs.
Over time, as the value of your properties continues to increase, you’ll have the potential to add more homes to your portfolio.
Why Invest in Property?
Investing in additional homes can be an excellent strategy to build wealth.
The benefits include:
- Tax reductions: Spending money on your investment property (e.g. through rates, insurance or maintenance) may be subject to tax deductions. This is known as negative gearing.
- Constant returns – By renting out your property, you could have constant returns, to the point where your financial commitment is minimal.
At Clark Finance Group, we can do a full finance audit to see how investing in property can potentially benefit your financial situation now and in the future.
Let’s Review Your Loans
If you’re a seasoned investor, it may be time to review your loan structure.
Shifts in interest rates and interest-only loan options have the potential to make a huge difference to your long-term financial gains.
Let’s explore your options together to find out if you have the potential to restructure and invest.
The best mortgage solution for today isn’t necessarily right for tomorrow.
If it has been several years since you reviewed your loans, get in touch with Clark Finance Group today.
Melbourne’s Investment Loan Specialists
At Clark Finance Group, we aim to provide education on an ongoing basis so our clients can make well-informed choices. Whether you’re buying your first home, refinancing or looking into bridging loans, we can match you with the correct solution.
We also do right by our clients by staying on top of the latest new home loan movements. By staying in touch with industry changes and focusing on home loans, we’re able to deliver outstanding service for our Melbourne client base.
FAQ's
An investment loan is a home loan that can only be used to purchase an investment property, such as a residential home or apartment.
The primary reason investment property loans differ from standard owner-occupied loans is their purpose. Investment loans can only be accessed to fund the purchase of a property you intend to use as an investment to earn rental profit through tenants. Depending on the lender, investment loans also tend to come with higher interest rates and more stringent lending requirements.
Like owner-occupied loans, investment property loans in Australia are available with a fixed or variable interest rate, allowing borrowers to lock in their rate for a fixed period or take advantage of a fluctuating market. Self-managed super fund (SMSF) investment loans are also available for investors who want to use their SMSF to purchase a property.
If you are unsure which investment loan type best suits your financial profile, our helpful team at Clark Finance Group can assess your borrowing needs and recommend a lending solution that best aligns with your circumstances.
At the time of writing, the average interest rate for an investment property loan in Australia is around 6% — 7%.
This will depend on your borrowing capacity and the size of your deposit. Speak with one of our experienced broker to find out more about your borrowing capacity
Loan Options
Get in touch
More information?
Book a free consultation
support@clarkfg.com.au
Phone 1300 366 670
