Investment Loans - Professional Finance Brokers | Brisbane Australia

Investment Loans

Investment loans in Australia are great options for those looking to invest in property. Nowadays, investment loans allow borrowers to attain negative gearings while still maintaining maximum borrowing up to 90%. This can be very beneficial as it allows investors to purchase their investment property with lower start-up costs and cash flow quicker. It is important that potential investment loan applicants take their time to assess the advantages and disadvantages of such loans before applying. With suitable information and advice, investment loans can be a profitable and secure way of acquiring investment properties.

Useful Tools For Investment Loans

Contact us for a free assessment of your borrowing capacities.

FAQs

How much can I borrow for a home loan?

The amount of loan that you are able to borrow depends on your personal circumstance and the lending policies that vary between different lenders.

Banks/lenders have their own target market. A finance broker expert can assist you in deciding which bank/lender products best suits you.

How much deposit do I need to purchase an owner occupied property?

Most lenders would prefer 20% deposit to complete the purchase.

However, if you could satisfy the lender's mortgage insurance (LMI), then you may be able to borrow as much as 98% LVR including LMI.

I am a doctor, would I be eligible for paying less Lender's Mortgage Insurance (LMI)?

Major banks would generally waive the LMI for loans up to 95% LVR for medical practitioners.

Can LMI be waived for lawyers, accountants or nurses?

At SC Brokers, we have banks/lenders that can waive the LMI for the above professionals for loans up to 90% LVR.

I bought a property off-the-plan. My bank told me the valuation came in lower. What can I do?

Banks in general would not allow for a second valuation to be done on the property.

SC Brokers have extensive knowledge and experience in providing finance for off-the-plan properties, whether it is an apartment, townhouse or house & land package. We ensure sufficient work is carried out at an early stage for the valuer to know better about the project to provide a better result.

Why should I choose SC Brokers to help me find the right lender?

At SC Brokers, we have one of the largest lender panel for you to choose from.

Our multi award-winning team will ensure that your receive the best service possible.

My builder went bankrupt, what should I do with my loan?

In Australia, most of the building contract has insurance attached to it. For example, in QLD, the QBCC will cover up to $200k for the loss.
If, in the unlikely event the builder has gone into trouble, please contact your finance broker asap to extend the construction period for the loan and send us the new building contract for valuation. Your loan, in general, will not require a re-assessment to confirm the borrowing capacity.