Buy an investment property with With a Low Deposit

Many investors can purchase with as little as 5–10% deposit, or by using equity from an existing property. We help you check your borrowing power and match you with lenders that support investor loans.

Happy couple embracing in their modern living room, representing homeownership and financial stability.

Do I qualify for an investment home loan?

Investment loans often come with more specific financial requirements due to their higher risk profile.

Genuine Savings or Accessible Equity You need 5-10% in genuine savings or accessible equity (if this is not your first investment property).
Good Credit Score Most lenders prefer borrowers with a credit score of around 700 or higher to qualify for competitive investment loan options.
Stable Employment A stable job and consistent income helps lenders assess your ability to manage the loan and investment costs.
Accepted Postcode The property location must meet the lender’s postcode and security requirements for investment lending

Maximise Borrowing Power For Your Investment Property!

Here are some ways to increase your borrowing power for an investment property loan:

LMI Waivers for Professionals Some professionals such as doctors, lawyers, accountants, and other recognised occupations may qualify for waived LMI, helping reduce upfront costs.
Debt Consolidation Consolidating credit cards, personal loans, or car loans may improve borrowing capacity and simplify repayments.
Smart Use of Trusts Using a trust structure can sometimes help investors manage tax obligations and structure property ownership effectively.
Joint Loan Applications Applying with a partner or spouse may increase borrowing capacity by combining household income.

See what our clients have to say

Mike K

NSW

Knowledgeable staff who are also investors – My go to mortgage broker firm. The key difference is the abundance of staff who have investment portfolios and experience in complex deal structuring.

Ksenia M.

NSW

Our situation has significantly improved since then, but these guys saved us at least three years and helped us buy our first home and now an investment property. I will never stop recommending them!

Riya P

QLD

Home Loan “Experts” – Romy and his team has been there for us to answer every request we have made whether it is residential loan on student visa, other residential loan owner occupier or residential investment from 2018.

Craig W

Victoria

We have used Home Loan Experts before for our investment properties and I wouldn’t use anyone else. They are quick and prompt at getting the job done and as a investor that’s what we need.

Eli F

Victoria

I worked with Prabesh on a rather unique investment project, and I was thoroughly impressed with the level of service and dedication they provided throughout the entire process.

Santosh

NSW

Prompt response to any queries or concerns related to our owner occupied and investment loans. Extremely satisfied with Home Loan Experts support team for keeping us updated with regards to mortgage market trends and best options for home buyers.

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Get expert guidance In 3 easy steps

01

Start in minutes

Fill out our quick assessment form or call us at 1300 889 743

02

Receive expert guidance

A home loan expert will reach out to understand your needs.

03

Smart lending solutions

We’ll match you with lenders that align with your investment goals.

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