Investment Loans

Investment property mortgages

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What are investment mortgage loans?

There’s a lot to know about investments, such as how to choose the best investment loan that meets your needs and goals. A good investment loan can make property investment a much smoother process. Investment loans vary depending on what you are looking to achieve, and can be either very simple (like your standard home loan) or something more complex that helps you make effective use of tax, gearing and repayments. You can also make good use of loan features such as redraw, offset and additional repayments to help manage your investment loan.

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Considerations in securing your investment loan

Investor borrowers are the most sought after customer by banks and lenders due to their equity position and borrowing history. It is important that you use this position to secure the right loan for your finance needs at the most competitive offer.

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Are you a new or experienced investor? We can help both!

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Simple or more complex loans that allow you to manage tax and repayments?

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Do you have debt? Ideally it is better to pay it off first

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What is your deposit strategy? Leverage existing property, savings or gift?

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Undertaking thorough research on the current property market in the area you want to buy in

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Building new or buy an existing property? Ask us about the pros and cons of each

Need advice right now?

Get an investment finance package tailored to your situation

For an investment finance package tailored to your personal investment position and strategy contact us anytime.

Always seek advice from your accountant on investment and taxation rules for your particular situation prior to making a decision on investment methods.

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We have financed several investment properties and I know he’s saved me a lot of stress, time and money. If you are looking for a great mortgage broker who listens and does what he says, Brads your man

 Phil Cramner

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Brad has been out mortgage ‘go to’ guy for 10 years now and over that time he’s proven himself to be a super knowledgeable and attentive

 David and Fiona Burrows

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Thank you so much for all your help and guidance, working with you was a fun and professional experience, and we refer all our friends to BRM for mortgage advice.



 James and Donna Wadlow

Investment loans FAQs

Got questions about your first home loan? Check out our frequently asked questions below!

  • What is an investment loan mortgage?

    An investment loan is a type of mortgage that is used to purchase an investment property with the intention of generating income through rental payments, capital appreciation or both.

  • What are the requirements for an investment property mortgage?

    In most cases, banks will require a minimum 35% deposit to lend money for an investment property. However, if the property is a new build, they may be willing to lend money against a 20% deposit.

  • Can I use the equity in my home to purchase another property?

    Yes, you can use the equity in from your home to purchase another property through a home equity loan or line of credit. BRM Financial can help you navigate this process and find the best financing options for your needs.

  • What are the risks of investing in property with an investment loan?

    Investing in property carries risks such as rental vacancy, maintenance costs, and fluctuations in the property market. It's important to conduct due diligence and work with a qualified real estate professional and accountant to minimize these risks.