Investor Loans
Investor loans
Structure first.
Rate second.
Four words, total point. It tells the experienced investor PFC gets it and it tells the first-time investor there’s more to think about than rate. The rhythm (short . short.) gives it a confident, declarative feel that suits the page’s authority tone.
Where are you up to?
Looking at your first investment property and want it set up right.
Refinancing existing investment properties to free up cash or equity.
Want to use equity in your home to buy your next property.
Building a portfolio and need someone who thinks long-term, not deal-by-deal.
MORE THAN JUST A LOAN
The four things
investors get wrong.
Most brokers focus on the loan in front of them. We work the long game, because the decisions you make on this property shape the next five.
DECISION 01
The right structure
Most brokers focus on the loan in front of them. We work the long game, because the decisions you make on this property shape the next five.
DECISION 02
Tax-effective setup
So your accountant has something clean to work with, not a tangle to untangle at the end of every financial year.
DECISION 03
Equity, unlocked
Use what your existing properties have built to fund the next one, without selling. We’ll show you how much equity you’ve actually got to work with.
DECISION 04
Headroom for the next move
Lenders cap how much they’ll fund across a portfolio. We pick lenders so this loan doesn’t quietly block the property after it.
What happens next.
A strategy conversation
Where you're at, what you own already, what you're trying to build. No paperwork in the first chat.
Structure and lender match
We work out the right structure for your tax position, then match you with the lender most likely to say yes.
Pre-approval, then the property hunt
You go looking with real numbers and a lender on board. When you find the property, you can move fast.
Settlement, and the next one
We handle the paperwork through to settlement. Then we stay in touch for when the next property comes around.
FAQS
The things buyers ask.
No, you don't need a mortgage broker to get a loan to buy an investment property.
But if you want to save time (which translates to money), you can team up with a professional so you can quickly look around for property loans available in your area.
Many investor loans also secure financing faster through the help of a mortgage broker.
And there's a good chance you can access offers that banks do not usually offer to their walk-in customers.
Different lenders in Brisbane have specific credit policies, but most lenders use a set of criteria based on the following categories to determine your eligibility for an investment loan:
- Verified identification and credit history
- Your perceived capacity to pay the loan according to projected rental income from the property and your other sources of income
- The available capital based on financial assets and equity in your home
- The value of the property that you can put on as collateral
Note that the above criteria are standard, and some lenders are also implementing other regulatory requirements such as best interest duty, responsible lending, anti-money laundering, etc.
Yes, some banks will finance a rental property purchase even with no deposit if you have enough equity in your owner-occupied property or other investment properties that you can offer as security.
You may borrow up to 100% of the value of a property. But this is, of course, subject to your lender's credit policies that include:
- Your credit profile
- Deposit or equity
- Maximum Loan to Value Ratio (LVR)
- Lenders Mortgage Insurance (LMI)
- The property offered as collateral
NOT SURE WHICH ONE FITS?
Let’s have a chat.
Most people don’t know exactly what they need until they’ve talked it through. Start with a free conversation. We’ll work it out together, and tell you straight what suits.