Investment Loans

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

True North Mortgage Solutions is committed to helping clients across Australia achieve their financial aspirations through tailored investment loan options. Whether you're buying a home or expanding your investment property portfolio, understanding the nuances of investment loans is essential. With our expertise, you can access investment loan options from banks and lenders across Australia, ensuring you secure the best possible terms for your financial situation.

When considering an investment loan, it's crucial to understand the various factors that can impact your borrowing capacity. Your credit history plays a significant role in determining the interest rate you may be offered. A strong credit history can lead to interest rate discounts, making your investment more affordable in the long run. Additionally, the loan to value ratio (LVR) is another crucial factor. The LVR compares your loan amount to the value of the property, influencing whether lenders mortgage insurance (LMI) will be required.

Investment loan options come with varying interest rate structures, including variable and fixed interest rates. A variable interest rate offers flexibility, potentially reducing costs if rates decrease, while a fixed interest rate provides stability with consistent repayments over time. Calculating investment loan repayments accurately is vital, as it helps you understand your monthly commitments and manage your budget effectively.

The application process for an investment loan can seem complex, but True North Mortgage Solutions aims to simplify it with a streamlined application process. We guide you through each step, from preparing your bank statements to understanding stamp duty implications. Our team ensures your investment loan application is thorough and accurate, enhancing your chances of approval.

For those new to property investment, applying for an investment loan to purchase your first investment property can be a significant milestone. We provide insights into the property market, helping you make informed decisions that align with your financial goals. Our expertise also extends to managing an existing investment property portfolio, where we offer strategic advice to optimise returns and capital growth.

It's essential to understand the full scope of your financial situation when considering an investment loan. Factors such as your income, expenses, and existing liabilities will influence your borrowing capacity. Our team at True North Mortgage Solutions works closely with you to assess these elements, ensuring you choose the right investment loan options tailored to your needs.

To conclude, True North Mortgage Solutions is here to support you in accessing the best investment loan options across Australia. With our personalised approach and comprehensive understanding of the property market, we are well-equipped to guide you through the complexities of buying a home or expanding your investment property portfolio. Contact us today to learn how we can assist you in achieving your financial ambitions through expertly tailored investment loan solutions.

Getting an Investment Loan

Initial Appointment

Begin by having a chat with one of our qualified Mortgage Brokers. We will take the time to understand your situation, including special policies and schemes you may be eligible for. We will also discuss the Investment Loan types and loan options from banks and lenders across Australia, guiding you through the next steps of the application process.

Fact-Finding

We will collaborate with you to gain a comprehensive understanding of your financial situation, including your financials, assets, and credit history. This helps determine your borrowing capacity. We will review your bank statements and other relevant documents to provide accurate advice.

Investment Loan Application and Approval

When we have determined your borrowing capacity, you can confidently begin bidding or making offers on properties you wish to purchase. Depending on your circumstances, we may also apply for Investment Loan pre-approval to give you a higher level of confidence. We will explain the loan amount, interest rates (both variable and fixed), and potential interest rate discounts. We also discuss the importance of the loan to value ratio (LVR) and if lenders mortgage insurance (LMI) may be required.

When you have located a property to purchase, we will apply for formal Investment Loan approval for you. This process will involve a valuation of the property if requested by the lender and you will also need to provide up to date financial information including current income documents.

Loan Settlement

Upon settling on the property, your loan will be drawn down, and you will be all set to move forward. We will help you navigate the settlement process. We will also assist in calculating loan repayments and managing your loan interest rate to suit your needs.

On-going service

Your experience with True North doesn’t end when your loan settles. We are here to support you and provide guidance for all stages of your home loan journey. We will help you reach your next goal of upgrading your home, accessing equity in your property or adding to your investment portfolio. We review your Investment Loan annually to ensure it still suits your needs and to make sure no opportunities are missed to save you money on fees or interest rate.