Meet HER
Build your property portfolio with a trusted mortgage broker by your side
I WANT TO BUY
AN INVESTMENT PROPERTY
Buying your next (or forever home)
Investing in a second property? Expanding your portfolio? Buying in your super fund? Starting a new commercial venture? Building passive rental income? Whatever your next step, we’re here to get you the right loan for your investment and eliminate any hurdles.
We have over 70+ lenders on our panel, giving you access to a huge range of competitively priced investment loans. Our service helps you compare loan features, interest rates and products, so you can optimise your investment and maximise cash-flow. Get started today and take the first step towards financial freedom.
Building your wealth through property is easy
Whether it’s your first time or you’ve done this before, familiarise yourself with the ins and outs of investment borrowing.
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It all begins with a quick and easy connection. Start by taking just 5 minutes to answer a few simple questions right here. Once you’ve completed this, we’ll schedule an introductory session where we can meet either online or in person. During this session, we’ll discuss your financial goals, explore your borrowing capacity, and review your timeline and budget. This is your opportunity to connect with us and for us to understand your needs, so we can chart the best path forward together.
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As a high-net-worth individual, partnering with a mortgage broker can significantly enhance your investment property strategy. We help guide you through exclusive and creative lending solutions, help secure the best loan terms, and provide critical market insights to inform your purchase. We also have a team of buyers agents, accountants and financial advisors, who can help advise you on tax strategies and structuring. Ensure your investments align with your financial goals and navigate the complexities of property investment with confidence and precision.
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Once we understand your loan needs, we handle everything: researching and comparing over 60 lenders, negotiating interest rates, and preparing your application for pre-approval. We provide a personalised strategy with competitive loan options, recommend the best lender, and guide you through the entire application process, ensuring you have a clear understanding of your borrowing limits and repayment details. Did you know, an existing property can be used as equity, which means you may not need as much deposit as you first thought.
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Once you’ve found your dream home. We’ll guide you through making an offer, arranging the property valuation, and even deliver the champagne for settlement. We’ll secure the finance and get you approved.
What’s your investment strategy?
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The freedom of renting meets the stability of owning. ‘Rentvesting’ is a popular strategy for first time investors. Basically, you’re investing while you rent. Stay in the suburb you want, while owning an investment somewhere else.
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If you already have a home or investment, you can use its equity to top up your deposit or savings for a new purchase.
Don’t forget, equity is not free money. When you access your equity your loan balance will increase and so will your repayments.
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What’s the difference and which one is for you?
Investing for cashflow more commonly known as "positive gearing" is investing in a property with good rental income/returns compared to the cost of owning and managing the investment property (loan repayments, interest, maintenance, management fees, etc). To put it simply, your property props up finances. Positive gearing allows you to have an increased income and generally won’t put you out of pocket. However, you will be taxed on any additional cash from your investment.
Negative gearing is the opposite. It’s when your total rental income is LESS than the cost of owning and managing the investment property, leaving you to make up the difference in payments. With negative gearing you can claim tax deductions on expenses related to owning your investment property. This strategy is generally used where the capital growth on the property will eventually outweigh the expenses as the property grows in value overtime.
Which situation is right for you will depend on your net-worth, taxable income and long-term goals, so it’s important to get the right advice on which one is better suited to you.
Own a home? Invest in another.
Download the Ultimate Investors Guide and walk away knowing how to nail your budget, find the right investment property, understand your cashflow and more.
FAQs for Investment Loans
We’ve got your questions covered!
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There are several fees that often aren’t discussed in length when buying a property. These include stamp duty, pest and building inspections and mortgage registration and transfer fees. Did you know some of these fees are different for investors? Get in touch with me today for an up-front conversation about all the hidden fees.
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Absolutely! You can use your existing home to buy your investment without needing to dive into your savings. This equity can be used for various different reasons, such as a deposit, bonds, renovations or to take out a line of credit.
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The ideal loan should maximise your goals for cash-flow and capital growth. One of the first considerations for your loan is will it have a fixed or variable interest rate? Or will it be interest only for tax and accounting benefits. Different lenders also play a part as they all offer different loan options. I can help you understand your options and find the right loan with the right features to save you both time and money.
Not sure where to start?
Schedule a FREE 15-minute planning session and get your questions answered by your dedicated broker.
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Still have questions?
You’re not alone! Buying property or borrowing money is one of the biggest decisions you’ll make! Ask us anything, we’re here to help.
