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 103 Reviews
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.
1. Understanding Your Needs & Getting Ready
Your mortgage journey begins with a detailed consultation where your Finance & Mortgage Broker listens to your property goals—whether you're buying a home, investing, or seeking a commercial loan. They assess your financial situation, including income, savings, liabilities, and credit history, to provide tailored loan advice.
To maximise our meeting, we need key documents:
Completed Fact Find (employment history, assets and liabilities)
2 Most recent payslips or proof of income
ID documents (Driver's license)
2. Financial Positioning & Document Review
Our team reviews your information to understand your financial position, calculate borrowing capacity, and identify the best loan structure for your goals. Your broker requests additional documentation—bank statements, tax returns, and evidence of assets and liabilities—to determine your borrowing capacity. They calculate how much you can afford, considering LVR, potential LMI, and interest rates.
Additional documents may include:
Bank Statements – to verify living expenses and liabilities
Additional ID – Passport and Medicare card
Council Rates Notice – for properties you own
HECS/HELP Statement – if applicable
Rental Income Verification – lease agreement or rental statement
3. Comparing Loan Options & Strategy Development
Your broker compares loan products from lenders across Australia, helping you weigh fixed versus variable interest rates, exploring offset accounts and interest rate discounts. They explain loan features, fees, and considerations like future rate changes or LVR adjustments.
We'll provide your personalised loan strategy including:
Tailored lender recommendation
Estimated loan repayments
Competitive interest rates
Loan structure options suited to your situation
4. Pre-Approval Process & Strategy Confirmation
Pre-approval is crucial in the property buying process. With pre-approval, you'll have a clear idea of your loan amount, strengthening your position in the property market. Your broker helps gather necessary documents and submits them for pre-approval, ensuring a quick and straightforward process.
We'll send your personalised loan strategy and lender recommendation for your review and confirmation.
5. Submitting the Loan Application
Once pre-approval is secured and you've confirmed your strategy, your broker helps complete the loan application. They guide you through submitting all necessary paperwork—bank statements, proof of income, and liability details.
We'll send application documents for electronic signing, then submit your application to the lender. Your broker communicates directly with the lender to ensure quick processing and avoid delays.
6. Loan Approval & Assessment
Your loan application is officially submitted to the lender. The lender conducts their initial review, and we notify you upon receiving conditional approval or if they request further information. Most lenders provide their initial assessment within 5 business days.
Once your loan is approved, your broker reviews the final loan offer and helps arrange necessary insurance. They ensure you understand the loan terms and guide you through the settlement process.
7. Settlement & Finalising Ownership
Your formal mortgage documents are issued by the lender and must be signed before settlement. We coordinate with your lender/solicitor/conveyancer to ensure everything is in order.
Your settlement is officially booked, meaning everything is in place for the day when your loan is finalised and funds are released. Your broker coordinates with the lender and conveyancer to ensure a smooth transfer. Once settlement is complete, you officially become the property owner, and your Finance & Mortgage Broker remains available to help you manage your loan and stay on track with repayments.
At Savvy Home Loans, we believe that financial clarity leads to smarter decisions. That's why we're here - to guide you through every step of your loan journey with a streamlined process that puts your goals first. Our trusted advice and expertise means we provide savvy solutions so you can make informed decisions in areas that are important to you.
Whether you're a first-home buyer, securing a business loan, or looking for personal financing, we make it easy. We also help with Home Ownership Planning, so if you can't qualify yet, we have a simple plan to get you buyer ready and HOP right into the property market once you reach your targets. With access to over 70 lenders, we tailor solutions to match your unique needs—because cookie-cutter finance just doesn’t cut it.
Forget the stress around approvals—we bring you flexible options, competitive rates, and expert insights to make your experience seamless. Most importantly, your priorities come first. Our brokers take the time to understand what matters to you, crafting loan solutions that fit your life, your budget, and your future.
"You can relax when you're financially savvy".
Book AppointmentCC
Celeste Carson
The team at Savvy have been incredible to work with. As a first home buyer the process can be overwhelming and confusing and while the team are very busy I felt cared for every step of the way. They are in constant communication to help get what you need over the line and the systems that have been setup make the process of uploading docs etc very smooth. I couldn’t recommend the team highly enough. Thank you so much for making one of the most important financial decisions of my life not only seem possible but an actual reality!
cs
clifford sharp
We have been dealing with Leanne and Derick since 2004 when we bought our first home . We haven't needed to anybody else for our financial needs. We have bought cars, vans and trucks using their financial expertise, getting really great deals. I have never seen anyone put so much energy into getting you the Best deal they can as quick as they can. Highly recommend them to anybody, and do frequently.
PK
Paul Knight
We had an outstanding experience working with Savvy Home Loans. From the first phone call, they were professional, knowledgeable, and incredibly easy to deal with. They took the time to understand exactly what we were hoping to achieve and came back with options that suited our budget and long-term plans. What impressed us most was how proactive they were - constantly keeping us updated, answering questions quickly, and making sure every step was straight forward. Thanks to Emma and Jarrad, the whole process was faster and smoother than we expected. I'd recommend them without hesitation to anyone looking for a reliable and genuinely helpful home loan broker. Excellent service from start to finish!
HK
Heidi Knight
Working with Emma and Jarrad at Savvy Home Loans was an absolute pleasure! From start to finish, they made the entire refinancing process smooth, stress-free, and easy to understand. They took the time to explain all our options, answered every question with patience, and truly went above and beyond to find the best solution all in just over a week turnaround! Their communication was fantastic and we always felt informed and supported. What really stood out was their genuine care and professionalism. We can't recommend Emma, Jarrad and Leanne highly enough. If you're looking for a knowledgeable, trustworthy, and friendly home loan broker, this is the one! Thank you for making this experience exceptional.
ct
clinton taylor
None
JW
John White
I have just been recently divorced, and it was time for me to buy a place of my own. A very daunting process when you aren't use to doing it by yourself. I was lucky enough to have an unbelievable Real Estate Agent, Penny Finnigan who put ...
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.
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.
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.
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.
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.
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.
Savvy Home Loans Pty Ltd ABN: 37 128 927 211. Leanne Pon, Derrick Pon and Emma Klingner are authorised credit representatives under Australian Credit Licence #388758..
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
Site by Broker Studio
