Investment Property Loans
Investing in property is a smart way to build wealth. With access to hundreds of investment loan options from a diverse range of lenders, we take the hassle out of finding the right loan for you. Our expert mortgage brokers will compare offers and negotiate the best possible rates, ensuring you secure a competitive deal tailored to your investment goals.
Investment Property Loan Rates: What to Expect
Investment property loan rates are typically 0.5% to 0.75% higher than standard home loan rates. For example, if the average rate for a primary residence is 2.125%, investment property rates may start at 2.625% to 2.875%.
Lenders determine rates based on several factors, including credit score, cash reserves, debt-to-income ratio, and loan-to-value ratio. Since investment properties pose a higher risk, rates tend to be less competitive than those for owner-occupied homes.
When comparing investment loan options, it’s crucial to shop around and consult an experienced mortgage broker to secure the best deal tailored to your financial goals.
How Investment Property Loans Differ from Standard Home Loans
Investment property loans come with stricter requirements compared to standard home loans. Since lenders consider investment properties to be higher risk, approval criteria are more stringent, and refinancing options may be less flexible.
If you’re considering an investment property loan, working with a specialist mortgage broker can help streamline the process, minimize risks, and maximize your returns. Let an expert guide you in securing a loan that aligns with your investment strategy.
While higher interest rates on investment property loans are common, you can still secure the best deal by increasing your down payment, improving your credit score, and comparing offers from multiple lenders.
At KVM Finance, we specialize in the third strategy—leveraging our extensive network of lenders to find the most competitive loan options tailored to your financial needs. Let us help you secure the right investment property loan with the best possible terms.
45+ Australian Lenders
We work with over 45 Australian lenders, both large and small, ensuring you get the best deal with complete peace of mind.
A team of industry pros to guide you each step of the way
Most people find that mortgage financing is complicated and confusing. We help you buy your dream home by simplifying the mortgage financing process with personalized loan options that save you time and money.
Frequently Asked Questions
We provide a range of home loan options, including first-home buyer loans, investment property loans, construction loans, and low-doc loans for self-employed individuals. Our team helps you find the best fit based on your financial situation.
Refinancing involves switching your current home loan to a new lender or loan product to secure lower interest rates, better terms, or access to equity. It can help you save on repayments, consolidate debt, or fund renovations.
Yes, we assist with bridging loans, which provide short-term funding to help you buy a new property before selling your existing one, ensuring a smooth transition between homes.
If you're paying high interest rates, struggling with repayments, or looking to access equity, refinancing could be a smart move. We can review your current loan and assess whether switching would save you money or provide better benefits.
Refinancing may include exit fees, valuation fees, and loan establishment costs. However, in many cases, the long-term savings outweigh these expenses. We’ll help you calculate the total cost and find the most cost-effective option.