Investment Property Loans

Applying for an Investment Property Loan 


The basic lending criteria are:

  • -Best to have 10% in genuine savings.
  • -Can use equity in other properties through refinance.
  • -Good credit score.
  • -Stable employment.

If you want to see if you qualify for an investment loan, then call me on 0423 237 242 and we'll talk through your application together.

Which Lenders are best for Investing in Property?

-It's important to find a bank that likes investors, not one that isn't actively seeking that kind of new business.  I will run your servicing with a whole panel of lenders to see where you fit - this will not affect your credit rating.

-There are both Bank and Non-Bank lenders that consider 95% investment loans.  Each lender policy is different, so it's best to use a broker as we won't affect your credit score.


Steps to increase your borrowing power:

- Use a lender that has the best lending criteria for investors,

- Lower your credit card limits,

- Use a co-borrower such as your spouse so both incomes can be used.

- Use a buyer's agent to find positively geared properties


How can a mortgage broker help?

- Banks all assess investment property loans differently.  Depending on your situation, your capacity to borrow may be increased or reduced.
-Rental income: Most banks use only 80% of your rental income in their assessment but some use 100%.
-Other income: All banks assess your base salary in the same way, but most differ in the way that they assess overtime, bonuses, commission, allowances, trust distributions, dividends and self-employed income.
- Assessment rate: Lender don't calculate your borrowing capacity using the actual rate that you are paying. They add up to 2-3% to the current rate to make sure you can afford the loan if the rate were to increase. Some lenders use the actual rate and do not use a higher servicing rate.  This is a good way to borrow more.
- Existing debts: Some banks assess the repayments on your existing debts using principal and interest repayments, even if you are paying interest only.  Find a lender that utilises the interest only repayment.  
- Negative gearing: Not every lender takes negative gearing benefits into account.  Need to find the lenders that do; your borrowing capacity goes up.

Get in touch and I'll assess your options.

Matthew Stack - finance broker

0423 237 242









#investmentproperty #realestate #mortgagebroker

Location: Australia

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