AND FIND OUT IF YOU QUALIFY WITHIN 24 HOURS.
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Do I qualify for an investment home loan?

Investment loans are generally a higher risk than standard home loans and, as such, you need to be in a strong financial position to qualify.

The basic lending criteria are:

  • You should have 5% – 10% in genuine savings.
  • If you are borrowing more than 90%, then some lenders like to see equity in other properties (i.e. this is not your first investment property).
  • A good credit history.
  • An above-average credit score.
  • Stable employment.
  • Acceptable postcode or security.
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Maximise your borrowing capacity as an investor!

There are some ways you can increase your borrowing power for an investment loan:

  • Apply with a lender that has favourable lending criteria for investors,
  • Reduce your credit card limits,
  • Apply for loans jointly with your spouse so that all of your income can be used,
  • Buy positively geared investment properties, or
  • A low-fee, low-rate loan with basic features could mean lower repayments, allowing you to borrow more.

Banks differ in the way that they assess investment property loans. Depending on your situation, your capacity to borrow may be increased or reduced.

50+ lenders for you to choose from

Our brokers will compare thousands of home loans to find you the best fit.

Don’t believe us, hear from our customers

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Home Loan Experts reviewer
Rita testimonial-review-star

Want to thank the team for helping me buy my first investment property. Even with some hiccups (from the banks), they were able to explain and have the whole process easy and completed! Thanks again. Would recommend them to everyone!

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Home Loan Experts reviewer
Lizzy testimonial-review-star

The team stayed in contact with us the whole way and supported us with every little detail. I would recommend home loan experts to anyone wanting to purchase their first home (our first contact with them) or investment (our engagement with them a year and a half later). Thank you.

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Home Loan Experts reviewer
Johnny testimonial-review-star

Home Loan Experts has refinanced our investment property loans in a manner that can be described as efficient and effective in a manner that puts other lenders to shame. Nothing was too much trouble for the team to see it through. Thanks again HLE!

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4.8 out of 1600+ reviews

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4.6 out of 420+ reviews

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4.7 out of 720+ reviews

We love winning awards

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ABA office of the year 2019
AMA australian brokerage of the year
AMA brokerage of the year
ABA Customer service award 2016
BBA Customer service award 2016