Investment property home loans

Thinking about investing in property? Generations of Australians have built their wealth through real estate.
If you have equity in your home or savings, the right investment property could be your key to wealth creation!

Investment property home loans - Entry Finance
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Investing in property is one of the best things you can do right now

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Here are 7 reasons to start looking for your investment property:

  • Property prices are rising, and rental properties are highly sought after.
  • In some places there’s even a shortage.
  • Rental returns are rising in many places, providing you with higher returns.
  • Investment properties can be negatively geared if you don’t live in them.
  • You can claim depreciation on your investment property if you rent it out.
  • Your tenants pay part, or all, of your investment loan repayments.
  • You can make improvements or renovate to increase the value and equity of your investment property.
  • Grow the equity in your investment property and use it to build your property portfolio.

Where do you find the best investment loan?

Entry Finance is home to the best finance brokers in the business. Our brokers have a sparkling wealth of information, and will bring it all into focus for you. Here’s why you should work with our brokers to realise your investment dreams:

  • We work with 30 leading lenders, including the ‘Big Four Banks’, to find the right investment loan for you.
  • We negotiate on your behalf to secure the best deal.
  • Our work costs you nothing because the lenders pay us commission.
  • You get the best expert advice available for free.
  • Expert advice
  • We take care of the complex finance work so you can focus on finding the right property.
  • We care about your mortgage needs. Listening is second nature to us and that’s why we deliver exactly what our clients are after.
  • We’re here for you from your first enquiry to your property settlement.

Contact us today about your investment loan

We’re your home loan specialists.
Let’s answer your questions about investment loans

Investing in the right property at the right time is a great way to build your wealth. The current record low interest rates make it an optimal time to purchase an investment property.

If you’re investing in property and you intend to rent to tenants, be sure to ask the real estate agent for a rental evaluation. Also confirm your rental expectations by checking current weekly rents on similar properties. The benefits of property investing start with securing the best advisers.

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Investment loans may have a higher interest rate than a home loan. This can depend on the particular lender and any risk they associate with the property or investment loan.

Interest-only loans can also be an option for investment properties. These loans are usually great at tax time because you can offset the interest against the rental income and other associated costs.

Remember with an interest-only loan that you’re not paying anything off the mortgage, and will still owe the full amount you borrowed at the end of the term of the loan. The long-term attraction of interest-only loans is that your property can increase in value and be worth more than you paid for it. In other words, your equity will increase as you go about your everyday life.

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The equity in your home is the value of the property minus the amount owed to a lender. So if your home is worth $600,000 with a mortgage of $250,000 then you have equity of $350,000.

The good news is that you can generally use this equity as a deposit on an investment loan.

Talk to an Entry Finance broker if you’d like to find out how much equity you have in your home.

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When you buy a property you’ll have establishment fees, solicitor fees and stamp duty to pay. You can search for your state or territory stamp duty calculator online once you know how much you’re paying for your property. This will enable you to see the amount of stamp duty you’ll be paying.

There’ll be no broker fees because our services will be paid by your lender.

It is a good idea to incorporate your fees and charges into the amount you borrow (your investment loan).

Your mortgage broker can help you work out the fees and charges you’ll have to pay. They can also let you know if there’s any way to minimise the costs.

Your Entry Finance broker will help you calculate the fees you’ll need to pay.

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It’s only possible to negative gear the costs of owning an investment property if those costs exceed the income the property produces. So, if your mortgage and costs (water and council rates, insurance, maintenance) cost you $25,000 per tax year and your rental income is $16,000, you can claim the difference as a deductible tax benefit.

If you want to investigate negative gearing further, contact an Entry Finance mortgage broker for advice on the button below.

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If your income from your investment property exceeds the cost of the investment loan and associated costs plus maintenance of the property, then you’re positive gearing.

So, if your mortgage and costs total $25,000 per year, and you receive $30,000 in rental income from the property you will be subject to additional tax because the money you earned through your property is considered income.

If you want to explore this further, chat to one of our mortgage brokers.

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Over 30 leading lenders. We will find the right one for you.

eMoney Finance
Keystart
Resimac
Better Mortgage Management
Better Choice
Home Start Finance
Go Flexi
Pepper Money
Heritage Bank
EZY Mortgage
Westpac
Virgin Money
Suncorp
St George
P&M Bank
NAB
ME Bank
Macquarie Bank
Liberty
ING
HSBC
Go Edge
Commonwealth Bank
Bank of Queensland
Bankwest
Bank SA
Bank of Melbourne
ANZ
Adelaide Bank

What is a mortgage broker?

A mortgage broker is a trained professional who liaises between you and the lender (often a bank) to negotiate the right investment loan for you.

Who pays the mortgage broker?

A mortgage broker is paid a commission, or fee, by the lender after they secure a loan for the client. The mortgage broker’s services are free to the client.

How can I see if my mortgage broker is licensed?

To provide financial advice, a mortgage broker must be licensed. Entry Finance is registered on the Australian Government’s ASIC Connect Credit Representative Register. Our licence number is 524998.

Investment Home Loans

Thinking of refinancing your investment property?

Talk to us about your investment loan.

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Are you paying too much interest on your current investment loan?

If you already have an investment property, check the interest rate you’re paying on your loan. Is it higher than the current interest rate for investment properties?

If current interest rates are lower than what you’re paying, chances are you could be saving a lot of money. Why? Because interest rates have dropped to record lows.

You could also be paying your loan off sooner with that extra money you’re spending on a high interest rate.

Don’t delay! Talk to your mortgage broker today about refinancing your loan and getting a better deal for your investment property.

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How much equity do you have in your home?

From time to time, we all wonder how much spare money is tied up in our homes.

To obtain an accurate estimate of your equity, you’ll need to have your house formally valued by your bank or lender. However, for a rough estimate, you can chat to the real estate agent who sold you the house, or go to realestate.com.au, type in your address and check out the value of your property according to the factors they use to value property.

Once you have a rough estimate of the value of your house, subtract your mortgage from the house value and the resulting amount is your equity.

For example, $950,000 (house value) minus $375,000 (mortgage) gives you $575,000 equity. Once you apply for an investment loan, your lender will have your house formally valued and provide you with the estimate they’ll use to work out the terms of your investment loan.

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Buying an investment property?
Find out how much stamp duty you’ll pay here

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You’ll wonder how you ever got along without us!
Email: info@entryfinance.com.au
Phone: 1300 468 419

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Let us do all the hard work. We’ll guide your new mortgage all the way to settlement.