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To Be A Successful Property Investor, Your Home Loan Needs A Strategy Too

Many Australians buy investment properties to secure their financial futures. In fact, over 2 million Australians have them. They use an investment strategy called ‘leverage’ to help them build their portfolio. If you are paying off your home (or you own it), you can do it too!

An investment property in a good location will provide you with rental income to help you pay off your loan, give you tax benefits, plus it should increase in value over time. Good investment property locations tend to be in capital cities where there is high tenant demand. They are close to the CBD, shops, schools, public transport, essential services and entertainment facilities.

The Problem

Just getting a property in a good location and the cheapest investment property loan rate isn’t enough to guarantee a good return. It’s crucial to structure your investment property loan effectively to maximise your returns. That’s where you need expert advice.

Why Choose Us

Our Wisebuy Solution

Our expert Newcastle team at Wisebuy Home Loans can help you to find an investment property loan that suits your financial situation and investment strategy. We’re up-to-date with all the latest lender information and investment property loan products, so you don’t have to be.

We arrange loans for our clients for a living. Investment property loans are one of our specialties.

We can guide you every step of the way, right from helping you organise your deposit and loan pre-approval (so you can negotiate and buy your investment property with confidence), through to taking ownership. Contact us to arrange a free, no-obligation consultation. We’d be happy to answer any questions you have. Below are some of the most common questions we get from our Wisebuy Home Loans property loan clients.

Property investment mortgage broker

How much can I borrow?

This depends on your income (including your potential tenant income) and how much you can afford to repay. You can use our Wisebuy Home Loans borrowing power calculator to give you an idea of how much you may be able to borrow.

How much deposit do I need?

Different lenders will require different minimum deposits. Some will require a deposit of 20% of the value of the investment property you want to buy.

Others may be prepared to lend with a lower deposit. But the more deposit you have, the more your borrowing power will increase.

Mortgage Brokers and Advisors

Can I Use the Equity I Have in My Home as A Deposit?

Yes, and depending on how much equity you have, you may be able to use it for your entire investment property loan deposit.

For example, if your house is worth $800,000 and you have a home loan of $400,000, you could borrow up to 80% of the value of the house and release $240,000 in equity. This Equity could be used as your deposit for an investment property (or two).

What Will My Home Loan Repayments Be?

This depends on how much you borrow, your loan term and the comparison interest rate. Standard loan terms in Australia range from 10 to 30 years. You can use our Wisebuy Home Loans loan repayment calculator to help you work out your repayments of different loan amounts over different terms and at different interest rates.

How Much Transfer (Stamp) Duty Will I Pay on An Investment Property?

You can use our Wisebuy Home Loans stamp duty calculator to work out the amount you’ll pay in different Australian States and Territories.