Australian’s love investing in property. While it can be a great way to help secure your financial future, it can also get a little complicated. Before you invest, get to know the potential benefits and risks to make sure property is the right financial asset for you and your money.
Whether you're deep in market research, finding the perfect investment loan or finally exchanging contracts - we’re here to help every step of the way.
While no two investment journeys look the same, we’ve highlighted some of the key aspects of the process worth keeping in mind.
Choose from variable or fixed rate investment loans, with either principal and interest or interest-only repayments.
Browse the options below or to see all products visit our home loan rates page.
T&Cs, fees, charges and lending criteria apply. Rates displayed above are available for new investment borrowings of $150,000 and over only with principal and interest repayments and a minimum deposit of 30%. Owner occupied loans, interest only repayments and deposits of less than these amounts are available for some loans (subject to approval). Different interest rates apply. Contact us for more details.
Our home loan calculators are designed to help you compare our products and find out how much you could save or borrow when you bank with us.
For everything you need to know about buying your first investment, read our comprehensive guide and make your next move with confidence.
Our Qudos at Home Mobile Lenders can meet you at a time and place that suits you. With expert support and on-the-spot applications, we’re here to make things as simple as possible. So whenever and wherever you're ready to chat about making your first investment - we are too.
Got questions? We've got answers.
Securing the right interest rate for you takes preparation. Firstly, you should do your research and understand what the most competitive rates are in the market. Next, understand what a competitive loan application looks like. Whether it’s a bigger deposit or a great credit score, knowing your strengths and weaknesses will help you negotiate a rate that’s right for you.
An interest-only home loan is s type of loan where for a certain period, your repayments only cover interest on the amount that was borrowed. At the end of this period, the loan will change to a ‘principal and interest’ loan. You’ll start repaying the amount borrowed, as well as interest on that amount.
Interest only loans can be helpful where you’re looking to improve cashflow, and could be beneficial for property investors because of the potential to claim tax deductions on the investment property.
The answer really depends on a range of factors, but in most cases home loan lenders will lend up to 80% of the property value. Saving a deposit or utilising existing property equity, equivalent to 20% of the purchase price of your ideal investment property is the general recommendation.
However, some lenders may allow you to borrow with less of a deposit (say 15% or 10%) if you are willing to pay Lenders Mortgage Insurance.
Potentially! But it can be a little tricky and is subject to strict rules. In order to invest in property through your super, you'll need a Self-Managed Super Fund (SMSF).
SMSFs offer greater control over your investments, and greater control comes with greater responsibility. With an SMSF you are responsible for the compliance of your fund, so it’s important to speak with a financial planner to see if this option is right for you.
Buying an investment property can be an effective strategy for building wealth and securing your future. It can help improve cash flow, may offer tax benefits and is generally considered to be more stable than other investments.
To figure out whether an investment property is right for you - speak to a trusted financial planner or one of our home loan experts today.
Approved applicants only. Normal lending criteria, terms and conditions and fees and charges apply.
Lenders mortgage insurance is required for home loans over 80% LVR and is subject to approval.
For interest only loans, only monthly repayment option available. During an interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.
You should read and consider the relevant terms and conditions (available on request) and our Financial Services Guide before deciding whether to obtain any of our financial products or services. Target Market Determination available here.
