Investment Home Loans are designed for buying residential properties with the aim of earning rental income or seeing the property's value increase over time. Whether you're an experienced investor or just starting out, we'll help you select the best lender and product to suit your situation. We also specialise in refinancing and enhancing current loan portfolios to improve your cash flow, ensuring you maximize your savings to the fullest extent possible.

Understanding Loan Structure :

When it comes to investing in property, one of the most crucial aspects of a Investment Home Loan is selecting the right structure. The structure of an investment loan may include:

• How the loan is secured

• The type of interest rate (e.g., principal and interest or interest-only)

• The loan's features, such as an offset account

Choosing the correct structure for your investment loan is essential. With the right structure in place, you may have the opportunity to refinance your loan after a few years, access the equity you've built up, and use those funds as a deposit for another investment property. This strategy can be repeated multiple times, allowing you to build a diverse property portfolio.

However, if the structure of your investment loan is not set up correctly, you may encounter challenges when refinancing your loan or securing funds for your next investment property.

While finding the best mortgage deals and investment home loan rates is important, having a solid loan structure is arguably even more crucial. A knowledgeable mortgage broker like Azendo Finance can explain everything in simple terms and offer recommendations tailored to your needs.

Types of Investment Home Loans :

In Australia, there are various types of investment home loans tailored to meet the diverse needs of property investors such as:

• Variable-Rate Loans:

  • Interest rate fluctuates with market conditions.

  • Provides flexibility and potential for lower repayments during periods of decreased rates.

• Interest-Only Loans:

  • Allows paying only the interest portion of the loan for a specified period.

  • Results in lower initial repayments and improves cashflow.

• Fixed-Rate Loans:

  • Interest rate remains constant for a set period.

  • Offers stability and predictability in repayments.

• Additional Features:

  • Some investment home loans offer features such as redraw facilities, offset accounts, or the ability to make extra repayments.

  • These features provide further flexibility and potential savings for investors.

Understanding the nuances of each type of investment loan can help investors select the option that best aligns with their financial goals and investment strategy.

Get in touch with us today to explore your options with a range of lenders on our panel.