Investment Loans

Whether it's your first investment property or a portfolio, we're here to help

At Abundance Home Loans, we understand that purchasing an investment property is an important step towards building a robust financial future. Our dedicated team is here to guide you through the investment loan options available from banks and lenders across Australia, whether you're in the Mornington Peninsula or anywhere in the country. With our expert advice, you can make informed decisions on your investment journey, ensuring that you find the right investment loan to suit your specific needs and goals.

When considering investment loans, one of the first aspects to evaluate is the type of interest rate that best fits your strategy. You might opt for a fixed interest rate, which offers stability with consistent repayments. Alternatively, a variable interest rate could be more appealing if you want to take advantage of potential market changes. At Abundance Home Loans, we provide thorough insights into the current property market, helping you weigh these options carefully. Our team assists in calculating investment loan repayments, considering factors like loan amount and interest rate discounts that could enhance your borrowing capacity.

The loan to value ratio (LVR) is another critical factor in the investment loan application process. This ratio can influence the need for lenders mortgage insurance (LMI), which can add to the overall cost of buying a home. A thorough understanding of your financial situation is essential before applying for an investment loan. We work closely with you to assess your credit history and ensure all aspects of your finances are in order, from bank statements to your borrowing capacity. This preparation is vital for a successful investment loan application and helps in setting up a streamlined application process.

Moreover, our expertise extends to navigating the intricacies of stamp duty and other associated costs when buying your first investment property or expanding your investment property portfolio. Each client's needs are unique, so our tailored approach ensures you're equipped with all necessary information, including potential interest rate discounts and other benefits that may be available based on your credit history. We aim to make the application process as straightforward as possible, providing support at every step.

In summary, securing an investment loan is a pivotal move towards achieving your financial aspirations. At Abundance Home Loans, we simplify the complexities involved in applying for an investment loan by providing access to a wide range of options from banks and lenders across Australia. Our commitment is to ensure you have the most suitable loan for your circumstances and ambitions. Contact us today to explore how we can assist in building your future through smart investment loan choices.

Getting a Loan

Step 1 – How much can I borrow?

Before you decide on the house you want to buy… let us work out your affordability so you know what purchase price you can aim for. We will ask for some documents to ensure that the figures are as accurate as can be, to give you the confidence to take the next step.

Step2 – Home Loan Pre-Approval

Let us do the paperwork and take away the stress of the loan application process. Once you have the thumbs up from the Bank, it’s time to start scrolling through the property pages.

Step3 – Hunting for your First Home

It’s time to find your dream home. We will guide you along the way and let you know what is required to make an offer or put in a bid at auction and navigate the negotiations. Once you have signed on the dotted line, it’s time to get your formal approval.

Step4 – You've found your first home - Formal Approval

Getting your formal approval is the most exciting part of your journey. From the uncertainty at the start to now, you’ve nailed it! Once you loan is approved, you are ready to start furniture shopping.

Step5 – Settlement and Beyond

We will guide you through the loan offer documents and the signing process and what you need to know for settlement and preparing for the big moving day. Our job is not done when you have settled your home loan, we will do regular check ins and annual reviews to ensure you are getting the best deal with your current lender.

Book Appointment

Frequently Asked Questions

Can you help First Home Buyers?

We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.

Can you help with refinancing an existing Mortgage?

Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.

How do I get paid?

I receive a commission from the Bank or Lender for selling their products, so you don’t pay anything up front or at settlement of the loan. Sometimes, I may charge you a fee directly, instead of, or as well as, the lender’s commission.

This will depend on the complexity of your situation and how long it takes to obtain your home loan. I will let you know up front if a fee is payable or not.

Can you only help with Home Loans?

We can help with Home Loans, Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy property something, we can probably help.

Why choose a Mortgage Broker?

With many lenders to choose from, you may decide to get help from a mortgage broker rather than going direct to your bank where you only have access to the banks home loan products, limiting your options.

Using a mortgage broker gives you more options based on your personal circumstances and acts as a go-between with the banks or other lenders to arrange your home loan. As a Mortgage broker I act in your best interests when suggesting a home loan for you.

In our first appointment, I will understand your needs and goals, work out all the figures and how much you can afford to borrow. Then find the best options to suit your situation.

If you don’t know much about home loans, I will explain the options, feature, benefits and the costs to give you peace of mind. I deal with all the paperwork and take away the hassle so you can get on with your day, knowing that I have everything under control.

What kind of interest rates can you offer?

We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.

ET

Em Tee

Mandy and her team were beyond brilliant in assisting through the entire process in obtaining and refinancing our mortgage. Could not recommend her services enough!

KD

Kerryn D

Mandy is warm and professional. Easily contactable and generous with information. The whole process was easy, and I have a great home loan. Fantastic and highly recommend.

SM

Samantha Millhouse

Mandy was amazing from start to finish and achieved miracles with our home loan. She went above and beyond, working so hard to secure a brilliant deal. Highly, highly recommend! Thank you Mandy!