Investment loans built around your property plans
Compare loan structures with your deposit, cash flow, risk position and future borrowing goals in mind.
- Assess borrowing power and usable equity
- Compare principal-and-interest and interest-only options
- Consider loan features and ownership structure
- Keep personal and investment lending clearly organised
40+Lenders
TailoredLoan Structure
EquityAccess
Property investment finance in Adelaide
An investment loan should support more than the next purchase. Its structure can affect cash flow, total interest, flexibility and the way future applications are assessed.
AAA Mortgage Solutions provides credit assistance. Before choosing an ownership structure or acting on tax outcomes, obtain advice from a qualified accountant, tax adviser, financial adviser or solicitor as appropriate.
If you plan to use equity from an existing property, reviewing your refinancing options can help clarify the available funds and total cost. A property being built may require a construction loan, while a purchase through super requires an appropriately structured SMSF property loan before contracts are signed.
How a mortgage broker helps with an investment loan
-
Understand your investment goals
We discuss whether you are buying, refinancing, accessing equity or expanding a property portfolio.
-
Review your borrowing position
We assess your income, expenses, existing commitments, expected rent and available deposit or equity.
-
Compare your loan structure
We compare suitable repayment types, rates, features and loan structures with your cash flow and plans in mind.
-
Manage your application
We prepare your supporting information, lodge your application and coordinate the lender assessment and valuation.
-
Review your loan over time
We remain available to review your loan as rates, rent, equity and your investment plans change.
What investment loan clients have to say
Real stories from people we helped make clearer, more confident loan decisions.
Investment property loan FAQs
Interest-only can suit some strategies and cash-flow needs, but it increases the time before principal reduces and may cost more overall. Compare the repayment change at the end of the interest-only period.
There is no universal best rate. The available rate depends on the lender, loan-to-value ratio, repayment type, loan size, property and borrower profile. Compare the comparison rate, fees and features as well as the advertised rate.
Start with your strategy, expected holding period, cash flow and future borrowing plans. Then compare total cost, repayment type, offset or redraw rules, fixed/variable structure and lender policy.
Refinancing may reduce costs, change the loan structure, add useful features or release equity. Benefits should be measured after discharge, application, valuation, break and ongoing costs.
It depends on the property price, purchase costs, lender's maximum loan-to-value ratio and your serviceability. Usable equity is usually less than total equity because lenders keep a valuation buffer.
This is a legal, tax and investment decision rather than a lending-only decision. Obtain advice before signing a contract because the ownership entity can affect finance options, costs, obligations and future flexibility.