Grow Your Wealth
Through Property
Smart lending solutions to help you purchase investment properties, generate rental income and build long-term financial security.
What Is an Investment Home Loan?
An investment home loan is a mortgage specifically designed to help you purchase a property for investment purposes rather than as your primary place of residence.
Investment properties can provide two key financial benefits:
Rental Income
Generate steady rental income from tenants.
Potential Capital Growth
Benefit from the potential increase in property value over time.
With the right loan structure, an investment property can become a powerful tool for building long-term wealth and achieving your financial goals.
Why Invest in Property?
Build Wealth
Build wealth through long-term capital growth.
Rental Income
Generate ongoing rental income from quality tenants.
Diversify Portfolio
Expand and diversify your investment portfolio.
Tax Benefits
Take advantage of potential tax benefits like negative gearing*.
Financial Freedom
Create a pathway toward financial independence and retirement.
*Subject to individual circumstances. We recommend seeking independent tax advice.
How Does an Investment Loan Work?
An investment loan works similarly to a standard home loan. The lender provides funds to purchase the property, and the property itself acts as security for the loan.
Repayments are made over an agreed term, while rental income may assist in covering loan repayments and property expenses.
Loan options may include:
Use property investment to create long-term financial freedom.
Benefits of an Investment Property Loan
Grow Your Wealth Faster
Leverage the bank's funds to acquire investment properties and accelerate wealth creation.
Generate Rental Income
Create an additional income stream through rental returns from tenants.
Potential Tax Advantages
Interest and certain investment-related expenses may be tax-deductible (seek tax advice).
Access Flexible Features
Choose from a variety of loan structures and features to suit your investment strategy.
Build a Property Portfolio
Use equity from existing properties to expand your portfolio and increase opportunities.
Investment Loan Approval Process
Initial Consultation
Discuss your goals, borrowing capacity and loan options.
Pre-Approval
Know the bank's assessment to understand your borrowing power.
Property Selection
Find a property that aligns with your investment strategy.
Submit Documentation
Provide ID, income verification, liabilities and asset details.
Formal Application
We submit your application to the most suitable lender.
Property Valuation
The lender conducts a valuation to confirm the property value.
Assessment & Approval
The lender reviews your details and issues approval.
Loan Offer & Acceptance
Review the loan offer, terms, interest rates and fees, and accept.
Settlement
Funds are released and ownership is transferred to you.
Investment Loan Eligibility
Lenders assess investment loan applications carefully to ensure borrowers can comfortably manage their repayments.
Experienced investors may use equity in existing properties to assist with future purchases and grow their portfolio.