Finding accurate and up to date information is a huge challenge for property investors.

To help you, we’ve put together a comprehensive list of resources that you can use to educate yourself on investment loans and how to buy an investment property.


Calculators

  • How much can I borrow: We’ve created an accurate online calculator that can take negative gearing into account and exactly matches the methods used by several banks.

  • LMI calculator: Did you know each lender has different LMI premiums? Find out if you are eligible for discounted or waived LMI.

  • Credit score calculator: Are you a high risk borrower? Find out how the banks will view your situation.

  • Postcode location guide: Are you buying a property in a high risk area? Find out how the banks will assess your next investment property.

  • More calculators: Using our mortgage calculators will help you to make an informed investment decision.


Basic mortgage concepts


Advanced loan types


Documents & templates

  • Accountant’s letter: Use these templates if your bank asks for your accountant to write a letter confirming the particulars of your situation.

  • Employment letter: Some lenders will require a letter from your employer. Use these templates to make sure the letter is accepted.

  • Rental income letter: Your property manager can write a letter to confirm your rental income.

  • Statements and transaction history: What is the difference between a statement and a transaction history?

  • Statutory declaration: Some lenders will require you to confirm certain aspects of your situation with a stat dec.

  • Discharge form: A database of each lender’s security release form. Use these forms if you sell your property or refinance your mortgage.


Property Info


Tax for property investors


Get the experts on your side!

We believe that informed borrowers will make better decisions when buying an investment property.

If you’re thinking about applying for an investment loan, give us a call on 1300 889 743 or complete our free assessment form to speak with one of our experienced mortgage brokers.

We can give you an idea of your borrowing power and the best way to set up your home loan.

  • Sebastian

    I’m from Canada and want to invest in property market in Australia. Where can I get info regarding which location or property is better for investment and other related stuffs?

  • Hi Sebastian,

    If you have narrowed down your decision and need help before finalising you decision, we could help you by providing you with free property reports that will give you an idea of estimated price of the property.

    For information on property location and more information on investment you might want to speak to a real estate agent and financial planner.

  • Ironside

    I’m a NZ citizen and I want to borrow 70% to construct a property for investment in Melbourne. I’ll be applying for the mortgage with my brother and we’re both working fulltime and have a combined income of around AUD 200k a year and also have a combined equity of AUD 1.2 mil. However, we’re paying down 4 loans right now so can your brokers help us secure a mortgage?

  • Hello Ironside,

    Banks will likely see serviceability as the major issue here despite your large income because you’re paying down 4 loans. We have a few lenders in mind that can help but it’s like that your LVR will be reduced to 65% and you’d have to pay a slightly higher interest rate. Please call us on our overseas number +61 2 9194 1700 to discuss this with one of our credit specialists to find out what offers are available.

  • Ramon

    Will going with a bank that has an underwriting authority be better?

  • Hi Ramon,

    Going with a bank that has a delegated underwriting authority can benefit your loan application. This is because you can get a faster approval, flexible credit policies and no credit scoring. The flexible credit policy is especially useful. When a loan is mortgage insured, borrowers are often frustrated by a lender’s inability to use common sense. In fact, it is usually the mortgage insurer not the lender that is being strict with their guidelines. With a DUA in place this is no longer a problem. The lender has the option to approve any loan that falls within their agreed DUA criteria.

  • Peterman

    Do you have any article or blog post that can help me understand how to properly value real estate that we want to purchase?

  • Hello Peterman,
    Yes, we have a quick guide that can help you learn the process of valuing a residential property. It contains general information only though so it’s recommended that you consider getting a valuation from a professional. Here’s the link to the page:
    https://www.homeloanexperts.com.au/home-loan-articles/how-to-value-property/

  • falmer

    Will getting a fixed rate help improve borrowing power?

  • Yes, it can help improve your borrowing power. Most lenders usually add at least a 1.5% buffer on top of the standard variable interest rate to assess your loan. The buffer is used to mitigate the risk of interest rates rising. The resulting higher assessment rate can greatly reduce your borrowing power. However, by choosing a three year fixed interest rate, the assessment rate will be whatever the fixed rate is, which is usually lower with no additional buffer on top. In some cases, lenders may still include a buffer, but it’s not as big. Do note though that it’s only applicable with some lenders.

  • Bass

    I have $350,000 that I can use as my deposit and I need 90-95% to buy one big property or maybe a couple smaller investment properties, not sure at the moment. The price price would be around $2.5mils. What do you think, can this be financed?

  • Hey Bass
    Yes, there are private lenders that may be able to consider this. However, it can be done but it’s likely a better option to buy several investment properties as mortgage exposure limits can be a problem.