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Considering Finance for an Investment Property? 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, Nice Loans can help you find the right investment loan tailored to your circumstances & lending objectives.
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.
Find out how you can buy multiple investment properties in a year. Nice Loans provides mortgage broking credit assistance, not property investment, financial, tax or legal advice. Obtain advice from appropriately qualified advisers before making an investment decision.
A property investment strategy can help some borrowers build long-term assets. However, it also carries some risks including vacancy, interest-rate changes, maintenance costs, tax changes, etc. Here are some reasons why you should go with an investment loan:
Investment loans come with a range of features that are tailored to investors’ needs, including:
We know that every borrower's situation is different. That's why we compare potentially suitable loan options available through our approved lender panel, considering relevant rates, fees, features & lender criteria. 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.
Financing may be available for building an investment property with funds generally released through staged progress payments after relevant lender requirements are met.
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.
An investment loan comes with specific terms and conditions, different from an owner-occupier home loan, set by lenders, and can be suitable for some borrowers. Here's a breakdown of pros and cons:
Disclaimer: Loan suitability depends on individual financial circumstances, lender policies, and long-term property plans.
Use our rental yield loan calculator to estimate your yields & cash flow for your investment property.
Estimate yields and cash flow for your investment property.
Important: This calculator provides estimates only and does not constitute financial or tax advice. Results assume full occupancy. Actual returns will vary based on vacancy periods, market conditions, and individual circumstances. Please consult a licensed financial adviser before making investment decisions.
We are here to help with your queries. Call us today 07 3114 2281 and get started with your home owning journey.
Book an appointment and get a free consultation with one of the trusted mortgage brokers in Australia.
Our mission is simple. We make home loans easy, clear, and stress-free for you.
We compare loan products from a broad panel of lenders, giving you access to competitive rates and flexible loan options that suit your individual circumstances.
From initial enquiry through to settlement, we manage the entire process on your behalf. We handle the paperwork, lender communication, and application submissions, and follow up, keeping everything moving smoothly.
Your goals are always our priority. We take the time to understand your situation, provide clear recommendations, and build long-term relationships based on transparency and results.
Home loans, although complex, don’t have to be overwhelming. We handle your paperwork, document prep, bank submissions, negotiations and approvals without chaos.
We appreciate the positive feedback shared by our clients
We are here to help with your queries. Call us today 07 3114 2281 and get started with your home owning journey.
Book an appointment and get a free consultation with one of the trusted mortgage brokers in Australia.
Here are some frequently asked questions by our clients. If you have any specific questions, please don't hesitate to contact us.
An investment property loan is used to purchase property intended for generating rental income. It can also be held as an investment rather than occupied as the borrower’s principal residence.
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.
Many lenders consider a portion of existing or expected rental income when assessing an investment loan application. The amount accepted varies from lender to lender; some also apply shading or allowances for vacancy & property expenses. The application remains subject to serviceability, valuation, and lender policy.
Interest may be deductible to the extent that the borrowed funds are used for income-generating purposes. The treatment of interest & other property expenses depends on how the funds & property are used and whether an expense is immediately deductible, apportioned or claimed over time. Seek advice from a registered tax agent.
The deposit & LVR requirements vary by lender, property & applicant circumstances. A 20% deposit may avoid LMI, while some lenders with LMI or other conditions may consider a smaller deposit. Purchasing costs such as transfer duty, legal fees & inspections may need to be funded separately.
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.
If you begin to live in a property financed as an investment, then you need to notify & comply with the loan terms. The lender may reclassify it as owner-occupied and apply different rates or requirements, but the outcome depends on its policy and the circumstances.
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.
Answer a few quick questions so we can understand your situation and discuss possible options.
Select the option that best matches your situation.
Enter the purchase price, how much you'd like to borrow, and your deposit amount.
Based on your loan amount, the following estimate illustrates repayments using interest rates from 6% to 7% p.a.
How will you be securing this loan?
You may be eligible for federal and state or territory first-home-buyer assistance. Available grants, concessions, property limits and eligibility requirements depend on where you purchase.
This helps us discuss potentially suitable options available through our lender panel.
Be as honest as you can — it helps us find the right lender for your situation.
We’ll provide an indicative equity calculation and compare your existing loan with potentially suitable refinancing options available through our lender panel.
Based on your refinance amount, the following estimate illustrates repayments using interest rates from 6% to 7% p.a.
This helps us discuss potentially suitable options available through our lender panel.
Be as honest as you can — it helps us find the right lender for your situation.
Select your land situation, then enter the values. Total project value is calculated automatically.
Enter the amount you would like to borrow. The amount available is subject to lender assessment, valuation and lending criteria.
Based on your construction loan amount, the following estimate illustrates repayments using interest rates from 6% to 7% p.a.
How will you be securing this construction loan?
This helps us discuss potentially suitable options available through our lender panel.
Be as honest as you can — it helps us find the right lender for your situation.
We'll use this to get back to you, usually within one business day.
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