Investment Loans

Whether it's your first investment property or a portfolio, we're here to help

Investing in property is a significant financial decision, and understanding investment loans is crucial for making informed choices. At People First Finance, we specialise in helping clients from Prospect, South Australia, and across the nation to access Investment Loan options from banks and lenders across Australia. Whether you are buying a home or looking to expand your investment property portfolio, our team is committed to guiding you through every step of the process.

When it comes to investment loans, one of the primary considerations is the interest rate. The right interest rate can make a substantial difference in your loan repayments. People First Finance assists clients in exploring both fixed and variable interest rate options, helping you to decide which suits your financial situation best. Fixed interest rates provide stability, allowing you to plan your finances with certainty, while variable rates can offer flexibility and potential savings if market conditions are favourable. We also assist in identifying interest rate discounts that might be available to you, maximising your borrowing capacity.

Another key aspect of investment loans is understanding the loan to value ratio (LVR). LVR is a measure of how much you can borrow compared to the value of the property you wish to purchase. It influences your eligibility for an investment loan and can affect the need for lenders mortgage insurance (LMI). LMI may be required if your LVR is above a certain threshold, adding to your overall costs. Our experts work with you to optimise your LVR, potentially reducing the need for LMI and enhancing your investment loan application.

Your credit history plays a pivotal role when applying for an investment loan. A strong credit history can enhance your application process, making it easier to secure favourable terms. At People First Finance, we guide you in reviewing your credit history and suggest ways to improve it if necessary. Alongside this, we help organise essential documents such as bank statements and other financial records, ensuring a streamlined application process. Understanding stamp duty costs and calculating investment loan repayments are also part of our comprehensive service.

Finally, the property market can be complex, with conditions varying significantly across regions. Whether you're purchasing your first investment property or adding to your portfolio, People First Finance provides insights into the current market trends. We assist in assessing how these trends might impact your investment decisions and borrowing capacity. Our goal is to ensure you feel confident when applying for an investment loan.

As you consider taking steps towards securing an investment loan, remember that People First Finance is here to help you every step of the way. We strive to make the investment loan application process as smooth as possible, allowing you to focus on building a successful property portfolio. Contact us today to discuss how we can assist you in accessing Investment Loan options from banks and lenders across Australia, ensuring you are well-equipped to make sound financial decisions.