Investment Loans

Secure the right Investment Loan to buy your first investment property or expand your property portfolio. Get help from an experienced Finance & Mortgage Broker at Savvy Home Loans today!

Rated 5 from 85 Reviews

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Whether it's your first investment property or a portfolio, we're here to help

Investing in property can be a rewarding journey, and at Savvy Home Loans, we are here to guide you through accessing investment loan options from banks and lenders across Australia. Whether you're buying a home in Brisbane or expanding your investment property portfolio nationwide, understanding the nuances of investment loans is crucial. Our expertise in securing competitive interest rates and understanding elements like lenders mortgage insurance (LMI) ensures that your investment strategy is sound and effective.

When applying for an investment loan, several factors play a critical role in determining the best options for you. Firstly, your credit history significantly impacts your borrowing capacity. A strong credit history can unlock interest rate discounts and favourable loan conditions. Additionally, the loan amount and your financial situation are pivotal in shaping the terms of your investment loan. At Savvy Home Loans, we assist in evaluating your loan to value ratio (LVR), which affects LMI and can influence your overall costs.

Understanding the property market and the associated costs such as stamp duty is vital when buying a home or your first investment property. These elements can affect your financial planning and the success of your investment. By calculating investment loan repayments accurately, you can make informed decisions. We help you consider both fixed interest rate and variable interest rate options, ensuring that your choice aligns with your long-term financial goals.

The application process for an investment loan can seem intricate, but with a streamlined application process, it becomes manageable. We support you through each step, from gathering necessary documents like bank statements to submitting a robust investment loan application. Our experience with the Australian property market allows us to provide insights into the best investment loan options available, tailored to your needs.

Applying for an investment loan also involves assessing your overall financial situation. This includes reviewing your income sources, expenses, and existing debts to determine your borrowing capacity. Our goal is to provide clarity and confidence as you explore your investment opportunities. By understanding the impact of different interest rate structures, you can optimise your investment returns.

Savvy Home Loans is committed to helping you access investment loan options that align with your objectives. By considering factors such as LVR, potential interest rate discounts, and the intricacies of the Brisbane property market, we ensure that you are well-equipped to make informed decisions. Reach out to us today to explore how we can assist you in achieving your property investment aspirations with ease and expertise.

Find out how much you can borrow

In 60 seconds, understand how much you can borrow to buy your dream home.

Savvy Home Loans

Getting an Investment Loan with Savvy Home Loans

Initial Consult with Savvy Home Loans

Have a chat with a qualified Finance & Mortgage Broker who will understand your situation and talk you through the next steps.

Investment Loan Fact Find

Your Finance & Mortgage Broker will work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a Investment Loan.

Investment Loan Pre-Approval

Once you're approved, you can start bidding or making offers on properties you want to purchase.

Settlement

You settle on the property, your Investment Loan draws-down and you're good to go!

Reviews for Savvy Home Loans

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Vicki Kerr

Savvy Home Loans made our dream come true! They understood our vision and had the knowledge and skill to make it happen. Other brokers pale into insignificance by comparison. Leanne Pon is Director of the company and a brilliant financial strategist, who is supported by an outstanding team including her son Jarrad. Our service experience was flawless. Their communication, expertise and dependability were second to none. There is no other mortgage broker I would consider using and I trust Savvy completely to look after our future needs. It was an absolute delight to engage with such an exceptional service provider. I only wish I had discovered Savvy earlier, but at least I can be grateful that I'm a Savvy client now. Thank you Leanne, Jarrad and Emma!

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Ridesofourlives

We can't thank Savvy Home Loans enough for helping us secure our first home 10yrs ago and have now helped us save thousands of dollars by us switching lenders! Their service and expertise is truly 5-star! They are professional, friendly, and always willing to go the extra mile. We've already recommended them to all our friends and family, and we’ll continue to do so! If you're looking for someone who genuinely cares and delivers results call the team at Savvy Home Loans!!

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Wendy Hand

Working with Savvy Home Loans and Emma has been an absolute pleasure. The entire process was seamless from start to finish. The platform is incredibly user-friendly, making each step simple and straightforward. Emma was fantastic to communicate with always responsive, clear, and genuinely supportive throughout the journey. What really stood out were the out-of-the-box solutions Emma brought to the table. If you're looking for a smart, stress-free way to secure a home loan, I can't recommend Savvy Home Loans and Emma highly enough!

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Mick Lindsay

Amazing! We had a tough timeline, unusual conditions, unique structure and they nailed it. Emma is efficient, friendly, great communication. Spent the last 2 days moving into our dream house, would highly recommend!

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Krystal Gray

Emma was so incredible at helping us get our finance! I can’t even begin to describe the amount of effort and dedication she put in for us. We through so many hurdles her way, but she managed to make it work in such a short time frame. All while remaining friendly and professional to deal with. No way we would of got it done without her. Thanks Emma! ☺️

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Ning Cing

The Savvy Home Loan team has been exceptionally helpful—efficient, professional, proactive, and incredibly knowledgeable. They consistently go above and beyond to secure our investment loan. We couldn’t recommend them highly enough. Leanne, Emma, Derrick, and Jarrod—it’s been a pleasure working with you. Donald and I feel very fortunate to know you and to have received your support. Well done, team!

Frequently Asked Questions

What interest rates are available through your services?

We examine an extensive selection of financial products from banks, credit unions, and lending institutions nationwide. This enables us to review thousands of available options and ensure we consistently recommend the most suitable home loans for our clients.

Do you assist first-time home buyers?

We love working with first-time home buyers! Our team has comprehensive expertise in the entire home buying journey and can guide you toward securing the appropriate home loan. We're also well-versed in the various programs designed to support first-time buyers, including the First Home Owners Grant and different stamp duty exemptions that may be available.

Do you provide refinancing services for current mortgages?

Absolutely! We're confident in our ability to locate the most competitive interest rates for your refinancing needs, whether you're dealing with a residential home loan or an investment property loan.

Do your mortgage brokers hold proper licensing and accreditation?

Every one of our mortgage brokers maintains full accreditation and holds membership with the Mortgage and Finance Association of Australia. They demonstrate the highest level of professionalism and deliver outstanding service across various lending solutions.

Is your assistance limited to home loans only?

Our services extend beyond home loans to include investment property loans, construction financing, vehicle loans, personal loans, and numerous other lending products. If you need financing for a purchase, we can likely provide assistance.

What are the benefits of working with a mortgage broker?

Mortgage brokers serve as your advocate in finding the most appropriate loan from major banks, smaller financial institutions, or alternative lending sources. We offer access to a comprehensive range of products that exceeds what any individual lender can provide, allowing us to handle all the research and comparison work to identify the perfect loan solution for your specific needs.

Ready to get started?

Book a chat with a Finance & Mortgage Broker at Savvy Home Loans today.