Investment Loans
Smart Finance for Investors
Whether you’re buying your first investment property, rentvesting, or growing your portfolio, choosing the right investment loan is key to maximising returns. At JRW Finance, we’re here to help you structure your loan strategically and make the process simple.
Understanding Your Borrowing Power
When applying for an investment loan, your borrowing capacity isn’t just about your income, lenders also consider rental income, existing debts, and your credit history. We’ll help you calculate your borrowing power upfront so you know exactly what you can afford and how to strengthen your application.
How Your Credit History Impacts Borrowing
Your credit history plays a key role in determining not just how much you can borrow, but also the loan options and interest rates available.
A strong credit profile may unlock more competitive rates, while a lower score may reduce your borrowing power. We’ll review your credit situation and guide you on steps that could improve your position with lenders.
Fixed, Variable & Interest-Only (IO) Options
Investment loans often come with more flexibility in structure. Fixed rates lock in repayments, giving you certainty for budgeting. Variable rates provide flexibility and potential savings if rates fall. IO repayments can improve short-term cash flow, while principal and interest repayments build equity over time.
We’ll walk you through each option so you can choose a structure that fits your strategy.
Extra Costs to Consider
Beyond the purchase price, investors need to factor in costs like: Stamp duty (varies by state) Lenders Mortgage Insurance (LMI) if borrowing over 80% LVR Property management fees Council rates and maintenance We’ll make sure you’re prepared for these upfront so your investment runs smoothly.
Tax Benefits of Investment Loans
Unlike owner-occupier loans, the interest on an investment property loan is generally tax-deductible. This can make a significant difference to your cash flow and overall return on investment.
We’ll ensure you understand how loan structures and features can impact your tax position, and recommend you speak with a tax adviser to maximise these benefits.
Loan Features That Work for You
Smart loan features can make a big difference to your investment’s performance.
Options like offset accounts, redraw facilities, or using equity to purchase another property can help you save on interest and grow your portfolio faster.
The Importance of Pre-Approval
In the fast-moving property market, pre-approval gives you confidence in your budget and helps you act quickly when opportunities arise. Sellers also see pre-approved buyers as more serious, which can strengthen your negotiating position. We’ll help you secure pre-approval so you can invest with confidence.
Why Work With JRW Finance?
At 25, I’ve built a property portfolio of five and counting. Working with brokers, accountants, and investors, I've seen firsthand how confusing and overwhelming the process can be.
That’s why I started JRW Finance - to make property finance clear, straightforward, and achievable for clients. I guide clients through processes I’ve experienced myself, tailoring solutions to their goals and helping unlock opportunities they didn’t think were possible.
Get In Touch
Ready to take the next step in your investment journey? Contact us today to book a consultation and explore your investment loan options.
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