Investment Loans
Property investment finance can involve different considerations from an owner-occupied home loan. We help you understand the lending side of your investment property plans.
About this service
Finance guidance built around your circumstances.
If you're considering purchasing an investment property, we can help you explore residential investment lending options and understand the finance considerations involved.
Every borrowing situation is different. Your income, financial position, goals, property and the lender's assessment criteria can all affect the options available to you.
Our role is to help you understand the finance process, discuss your requirements and explore lending options that may be suitable for your circumstances.
Who this may be for
This service may be relevant to customers in situations such as:
- People purchasing their first investment property.
- Existing property investors looking to purchase another property.
- Borrowers reviewing their investment lending.
- Customers considering refinancing an investment property loan.
How we can help
Depending on your circumstances, we can help you understand areas such as:
- Understanding investment loan structures.
- Exploring lending options.
- Reviewing your existing lending position.
- Discussing deposit and equity considerations.
- Understanding interest-only and principal-and-interest structures.
- Supporting the investment loan application process.
Things to consider
Your circumstances matter.
When assessing a lending option, there are several factors that may need to be considered. The exact requirements depend on the lender and your individual circumstances.
Your income and existing financial commitments.
The proposed property and its value.
Rental income and how lenders assess it.
Your existing property portfolio.
Available deposit or equity.
The lender's investment lending criteria.
Why work with us
A simpler way to approach your finance.
Understand investment lending structures.
Explore lending options through our lender panel.
Review your current borrowing position.
Receive guidance throughout the application process.
Our process
From conversation to next steps.
The exact process can vary depending on your circumstances, lender and finance requirements. Generally, the journey can look like this.
Discuss your investment goals
We discuss the type of property you are considering and your broader finance objectives.
Review your financial position
We consider relevant income, liabilities, assets and existing property lending.
Explore lending options
We explore investment lending options available through our lender panel.
Assess the property
The lender considers the proposed property and relevant lending criteria.
Submit the application
Once you decide to proceed, the application and supporting documentation are prepared.
Settlement
Subject to approval and completion of the required process, the purchase proceeds to settlement.
Getting prepared
Documents you may need.
The documents required will depend on your circumstances and the lender. These are examples of information that may be requested.
Identification.
Income evidence.
Current loan statements.
Property and asset information.
Evidence of savings or available equity.
Rental information where applicable.
Frequently asked questions
Questions about investment loans?
Can I use equity from my existing home?+
Depending on your circumstances and lender assessment, available equity may potentially form part of the funding structure for another property purchase.
How is rental income treated by lenders?+
Lenders have their own policies for assessing rental income and may only include a portion of expected or existing rental income when assessing borrowing capacity.
Can I buy an investment property if I already have a home loan?+
It may be possible depending on your income, existing commitments, available equity, deposit and the lender's assessment criteria.
Let's talk
Ready to talk about your finance goals?
Start with a conversation about your goals and circumstances. We'll help you understand the next steps and the lending options that may be available to you.
Property investment involves financial risk and lending is subject to lender criteria, assessment and approval. This website does not provide financial or investment advice.