Investment Loans

Buy your first investment property or expand your portfolio with an Investment Loan

At Influence Finance Group, we understand that stepping into the property market can be both exciting and challenging. Whether you're buying your first investment property or expanding your investment property portfolio, choosing the right investment loan is crucial. Our team is dedicated to helping you access investment loan options from banks and lenders across Australia, ensuring you find the perfect fit for your financial situation.

When applying for an investment loan, it's essential to consider various factors that influence the overall process. One of the primary considerations is the interest rate, which can significantly impact your investment loan repayments over time. We offer guidance on both variable and fixed interest rate options, helping you decide which suits your needs best. A variable interest rate might offer flexibility, while a fixed interest rate provides stability in repayments. Understanding these options allows you to make informed decisions tailored to your unique circumstances.

Another crucial aspect is the loan to value ratio (LVR). This ratio determines how much you can borrow compared to the property's value. A lower LVR often means better interest rate discounts and potentially avoiding lenders mortgage insurance (LMI). LMI is an additional cost that applies when your LVR exceeds a certain threshold. By working with us, you can explore strategies to optimise your LVR and minimise unnecessary expenses.

Your credit history plays a vital role in determining your borrowing capacity and the interest rates available to you. A strong credit history can lead to more favourable investment loan options and lower interest rates. We assist you in understanding how your financial history affects your investment loan application and provide advice on improving your creditworthiness if needed.

The amount you're looking to borrow and the associated costs, such as stamp duty, are also key considerations. Calculating these expenses accurately ensures that you are well-prepared for the financial commitments involved in buying a home or expanding your portfolio. Our streamlined application process includes a thorough assessment of your financial situation, taking into account bank statements and other relevant documents to present a clear picture of your borrowing capacity.

Applying for an investment loan can seem complex, but with our expertise, we make the application process straightforward. We guide you through each step, from assessing your needs to preparing your investment loan application, ensuring all requirements are met. Our goal is to simplify the process so you can focus on achieving your property investment goals.

Influence Finance Group is committed to providing personalised service to clients in Melbourne and nationwide. We pride ourselves on delivering tailored solutions that align with your investment objectives and financial capabilities. Our team is here to help you navigate the various investment loan options available, providing insights into interest rate dynamics and other critical factors.

We invite you to reach out today and explore how we can assist in securing the right investment loan for you. Let us help you unlock opportunities in the property market with confidence and ease.

Find out how much you can borrow

In 60 seconds, understand how much you can borrow to buy your Investment Property.

Get your Borrowing Capacity

Getting an Investment Loan

Initial Consult

Have a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps.

Fact Find

We'll work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for an Investment Loan.

Pre Approval

Once you're approved, you can start bidding or making offers on your first investment property or the next property in your portfolio.

Settlement

You settle on the property, your Investment Loan draws-down and you're good to go!

Book Appointment

Our Latest Reviews

Kapilan Sarma

I have known Paul for a number of years now and he has assisted be with various services from re-financing loans to new home loans for house purchases. All my experiences with him have been positive. His ability to respond in a timely manner to lender issues, providing financial advice and constantly keeping me in the loop during all steps is very comforting. I would highly recommend him to others who require similar services. Thanks Paul for all your help over the years.

Gayle Millington

Paul and the company have been so very helpful on many occasions. He takes a personal interest with all his clients He know his stuff and is up to date with all the latest products and policies… would and have told everyone about him…

Joel Parker

I wanted to take a moment to commend Paul for his remarkable service in assisting us to secure a complex home loan. Navigating through the intricacies of home financing can be daunting, yet with Paul, it felt like a well-planned journey. ...

Amanda Kemp

Paul has been absolutely amazing! Going over and above to get the best deal for myself and my family. I would recommend him to anyone who is looking for a Mortgage Broker who will keep your best interests at heart and get you the best outcome.

Briar Ferguson

Paul was referred to me as I was struggling to find a finance professional who could cater for my finance requirements. I found him to be extremely professional, diligent with the ability to think outside the box. ...

Monica Brabant

Paul is absolutely amazing. He's helped me twice now with refinancing, he really listens and understands my goals and goes above and beyond to get the best outcome for me. I wouldn't hesitate to work with Paul again, and highly recommend him to anyone else

We work with Australia's biggest lenders

Frequently Asked Questions

Should I go directly to a bank or use a broker?

Banks will only offer their own products, which may not be the best fit for your situation. A broker compares a wide range of loan options from different banks and lenders to help you find the right solution. Brokers are also legally required to act in your best interest, while banks are not held to the same standard.

Is there a cost to use a mortgage broker?

In most cases, you won’t need to pay a fee for our service. Mortgage brokers are typically paid a commission by the lender you proceed with. If you're unsure or would like to learn more, feel free to reach out with any questions.

Is pre-approval necessary for an investment loan?

Yes, getting pre approval is an important step when purchasing an investment property. It means the lender has reviewed your financial situation and confirmed the maximum amount they are willing to lend. This helps you understand your budget and makes you more confident when you are ready to make an offer.

What happens to my home loan if I move to a new property?

If you are buying a new home, you usually have two options for your loan. You can refinance with your current lender or a new one, or you can pay off your existing loan and apply for a new one for your next property. A broker can help you understand what you can afford and which option might suit you better.

How can I choose the right investment loan?

The best investment loan will support your financial goals, whether you are focused on increasing cash flow or building long term value. One of the first things to consider is whether you want a fixed or variable interest rate. Each lender offers different loan features, so working with a broker can help you find the right loan with the right structure for your needs.

What are the fees involved in buying a property?

There are several extra costs that come with purchasing a property, and they are not always explained clearly. These can include stamp duty, loan application fees, building and pest inspections, and other charges. Speaking with a broker can help you understand all the costs upfront and avoid unexpected surprises.

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INTERNATIONAL LENDING GROUP PTY LTD ABN: 31 668 903 688. Credit Representative #513915 is authorised under Australian Credit License #517192

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.