Property Investment
Selecting an appropriate loan product and structure is just as important as interest rate.
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Investing in property is a common step in many investors’ long-term wealth creation strategies. Similar to your home loan, investment loans need to be tailored to your unique circumstances and particular purpose.
Understanding and selecting a loan that takes into account the bigger picture of your financial situation is paramount for maximising your goals and investment return.
At EverLend, we often work in close collaboration with your accountant or financial advisor to ensure that the appropriate financial structure can be truly tailored to your circumstances and your needs.
Property investment FAQs
How much deposit do I need for an investment property?
Requirements vary between lenders, and lenders mortgage insurance usually applies if you borrow more than 80% of the value. Many investors use equity in their home instead of cash for the deposit and costs.
Should I choose interest only or principal and interest repayments?
Interest only repayments are lower in the short term and can help cash flow, but you are not reducing the loan, and rates are often higher. Principal and interest builds equity over time. We compare both against your goals, and your accountant can advise on the tax side.
How do lenders assess rental income?
Most lenders count only part of the expected rent when working out how much you can borrow, to allow for vacancies and costs, and the share they use varies. That difference can change your borrowing power, which is why comparing lenders matters.
Can I buy an investment property using equity in my home?
Yes, subject to valuation and serviceability. We usually set up a separate loan for the investment so the debts are kept apart, which keeps your records clear.
Helpful guides
We help clients across St Kilda and Melbourne's inner south and south east. See all locations.
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Whatever you need, get in touch and we’ll get the ball rolling. The sooner you reach out, the sooner you’re on your way to securing the right loan!
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GREAT REVIEWS FOR OUR SERVICES
Highly competent and very responsive
Evelyn helped us refinance a home loan package. She gave us a good overview of the current market, taking the preferences we expressed into account, and gave us good insightful explanations when going through our options. She replied promptly to any queries we had, always with clear answers, and helped us secure the most competitive conditions for our new package.
Peter Skands
