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Your Guide To

Investment Home

Loans

Home Loan
Commercial Finance
Business Loan
Refinance and Debt Consolidation
Investment Home Loan
Property Development Finance
SMSF Loan
Asset Finance
Investment Home Loans

Here are some key things to know about investment home loan finance in Australia:

Investment home loans are a type of mortgage used to purchase a property with the intention of generating income from rent or capital gains. Here are some key things to know about investment home loans:

  • Eligibility: Eligibility for investment home loans depends on factors such as credit score, income, and debt-to-income ratio. Lenders will also assess the potential rental income of the property being purchased.
  • Interest rates: Interest rates on investment home loans in Australia can vary widely depending on the lender, the type of loan, and the borrower's creditworthiness.
  • Loan-to-value ratio (LVR): The LVR is the amount of the loan compared to the value of the property being purchased. Investment home loans generally have a lower LVR than owner-occupied home loans, meaning borrowers may need to provide a larger deposit.
  • Repayment terms: Repayment terms for investment home loans in Australia can vary depending on the type of loan and the lender. Some loans may have a fixed repayment term, while others may have a flexible repayment schedule.
  • Tax considerations: Investment home loans in Australia can have tax implications for borrowers. It's important to seek advice from a tax professional to understand the potential tax benefits and obligations associated with investing in property.
  • Costs: Investment home loans can come with a range of fees, including application fees, valuation fees, and ongoing fees. It's important to factor in these costs when comparing different loan options.
  • Risks: Investing in property with an investment home loan carries risks, such as fluctuations in property values, changes to interest rates, and vacancies.

If you’re considering an investment home loan, we can help you research and compare different lenders and loan products to find the best option for your needs and budget. We can be your trusted partner throughout the entire finance process and beyond. Get in touch with us today for a free consultation.

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