Free Mortgage Assessment. Hurry Up!!!
Free Mortgage Assessment. Hurry Up!!!
Ready to take your portfolio to the next level? An investment loan can help you purchase property for investment purposes. Whether you’re buying your first ever rental, expanding your portfolio, or refinancing an existing investment property, NiceLoans can help you find the right investment loan tailored to your financial goals & circumstances.
An Investment Loan is a type of home loan specifically designed for purchasing properties that you can rent out or hold as long-term assets, rather than live in yourself. In investment loans, the rental income potential and investment purpose are also considered in the approval process, unlike owner-occupier loans.
One of the powerful wealth-building strategy is to invest in a property. A well-strucutred investment loan can help you:
Investment loans come with tons of features that are tailored to investors’ needs including:
We know that every borrower's situation is different. That's why we compare a wide range of lenders to find you the best loan option. Here are some of the loan options we can help you with.
With a principal & interest repayment structure, you are required to pay down both interest and the original loan amount (principal) over the term of the loan.
In an interest only loan, you only pay the interest for a set period, without reducing the loan principal. This will lower monthly repayments during the IO period and improve cash flow.
A variable rate investment loan means that the interest rate can change over time with the market. This type of loan options is great for investors who want flexibility.
With a fixed rate loan, the interest rate is locked in for a set period. This helps in repayments during the fixed terms as well as budgeting & financial planning. Also, it offers protection against rising interest rates.
We can help first home buyers access loans that may also be eligible for government incentives such as First Homeowner Grant (FHOG) and stamp duty concessions, where applicable.
Some investment loans also offer offset accounts and redraw facilities where your savings reduce the interest and let you access extra repayments in case you need.
Investment loan come with specific terms and conditions different than owner occupier home loan set by lenders that can be favorable to certain group of people. Here's a breakdown of pros and cons:
Disclaimer: Loan suitability depends on individual financial circumstances, lender policies, and long-term property plans.
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We take away the stress for you by handling all paperwork, document preparation, bank submissions, negotiations, pre-approvals and full approval.
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Here are some frequently asked questions by our clients. If you have any specific questions, please don't hesitate to contact us.
An investment is a type of home loan that is used to purchase or refinance a property intended to be rented out of held as investment rather than lived in by the owner.
Generally, investment loans have higher interest rates, stricter lending criteria, and no access to first home buyer grants. But they may offer tax benefits & cash flow strategies that might not be available with owner-occupier loans.
Yes. Most of the lenders consider a portion of the expected rental income when assessing your borrowing capacity. But subject to their policies & serviceability requirements.
In most of the cases, the interest on an investment loan & certain expenses may be tax-deductible. However, you should always seek advice from a qualified tax professional to confirm your eligibility.
In comparison to owner-occupier loans, lenders require a large deposit for investment loans i.e. around 20% of the property value. Lower deposits may be also possible in some cases but subject to lender criteria & Lenders Mortgage Insurance (LMI).
Yes. Many lenders do offer interest-only repayment options, usually for a limited period of time. This can help in improving the cash flow. But the repayments generally increase once the interest-only period ends.
Investment loans are intended for rental or investment purposes. If some circumstances arises that you have to change your plan and live in the property, then you have to notify your lender, so that the loan can be reclassified as an owner-occupier loan.
A mortgage broker can help you compare multiple lenders, structure the loan correctly, and align your loan with your long-term financial strategy. Consulting a mortgage is a win-win situation for you often at no additional cost.
