Investment Property Loan

Whether you are buying your first investment property or you’re buying your 100th, ZEP Finance can help you set up the ideal investment property loan structure to suit your future financial plans.

As experts in investment finance, our team of brokers understand how important it is to secure the right loan structure when investing. Each property investment should be considered as part of your overall investment plan and viewed as a stepping stone towards your ultimate financial future.

What Is An Investment Loan?

An investment property loan is a type of finance product designed to help fund the purchase of a residential or commercial investment property (as opposed to a home loan for your primary residence). Investment property loans allow investors to purchase properties that can be leased out as a traditional rental or short-term accommodation. Investment properties are usually purchased with the goal of long-term capital gain or as a way to generate a regular income (known as a passive income investment).

You can apply for an investment mortgage from traditional banks, credit unions, building societies and a range of other financial institutions (including online lenders).

Investment home loan rates tend to be higher than traditional home loans due to the increased risk associated with borrowing for an investment purchase. The size of the deposit required for your investment property loan may also vary depending on the lender’s policies and your recent credit history.

How ZEP Finance Can Assist with an Investment Property Loan

At ZEP Finance, we recognise that an investment loan is distinct from a typical owner-occupied home loan. Whether you are just beginning to explore the idea of investing or you already own an investment property and are looking to expand your portfolio, we have the solutions you need.

Our experienced brokers will dedicate time to ensure they thoroughly understand your current financial situation and future goals. This allows us to offer personalised advice tailored to your needs. With our industry expertise, an extensive network of lenders and a steadfast commitment to acting in your best interests, our team of mortgage brokers can assist you in securing the ideal property investment loan for Northern Rivers and south-east Queensland real estate investments.

What Are the Benefits of Investment Property Loans?

Are you thinking about buying a property investment? Investment property loans offer a great range of benefits that can help you manage your investments more effectively. These benefits include:

Flexibility

You can select from a variety of payment plans and adjustable interest rates to ensure you have the best loan to suit your needs. You’ll gain greater control over your cash flow and have the ability to invest more or less when needed.

Tax Benefits

While investment property interest rates may be slightly higher, the interest can be deducted from your taxable income. Capital gains earned on the sale of an investment property are also taxed at a lower rate compared to ordinary income.

Higher Returns

Real estate property values typically rise over an extended period. This potential for appreciation in value may allow investors to obtain higher returns on their initial investment when compared with other traditional assets (like stocks and bonds).

Equity Buildup

As you make regular payments towards your loan balance and the value of the property appreciates over time, this can significantly increase your overall net worth faster than if you had purchased outright with cash or debt-free with no loan attached.

Access to Expert Advice

Get help from experienced professionals within the industry. Finance brokers can help guide you through all aspects of real estate investment, including selecting suitable properties, negotiating terms and understanding associated fees.

Diversification

An investment loan will allow you to diversify your portfolio, spreading risk across a range of different investments. This can minimise the risk that comes with relying on a single investment and provide a solid financial foundation to build wealth.

What Documents Will You Need to Apply for An Investment Loan?

When applying for an investment property loan, you will typically be asked to submit the following documentation:

1. Proof of Identity: This can include a valid driver’s licence, passport or other government-issued form of identification.

2. Proof of Employment and Income: Most lenders also require proof of employment (such as payslips and/or PAYG income summaries) to confirm that you have a stable source of income that can be used to repay the loan in full over time.
If you are self-employed, there are specific documents that you will be asked to submit when applying for an investment mortgage. These include documents confirming your personal and business financial information, such as tax returns, income statements, balance sheets, profit and loss statements and bank statements. Additionally, lenders may require a copy of your business licence or other documentation to verify the type of business you operate, as well as any government contracts you may have.

3. Financial Statements: Bank statements, income tax returns and other financial documents are necessary to demonstrate your ability to repay the loan. These should be kept up-to-date and submitted along with your application.

4. Credit Report: A credit report is typically used by lenders to determine your creditworthiness and help them decide whether or not they should approve the loan request. Working with the brokers at ZEP Finance will save you time on this front, as we order current credit reports for all our clients.

5. Collateral Documents: If you are using collateral as part of your investment plan, you will need to provide documentation proving ownership of the asset (e.g., real estate title).

Things to Consider When Comparing Investment Home Loan Rates

Finding competitive investment home loan rates is an important part of any well-planned investment strategy. But when searching for the best investment property loan, it’s important to look at all the relevant details, not just who has the best investment loan rates.

Some important factors to consider when searching for the ideal investment mortgage include:

Be Aware of the Different Types Of Loan Products

Investment property loans in Australia offer a variety of options for individuals and businesses looking to purchase or develop real estate for future use. The most common types of investment property loans are:

Owner-occupier loans are designed to allow investors to secure a property while they are living in it.
Equity release loans give borrowers access to funds from their current mortgage that would otherwise remain locked away until the loan is repaid.
Bridging finance is used when a borrower needs short-term funding between purchasing one investment property and selling another one.
Construction loans are designed specifically for developers who are planning on building or renovating existing properties into multiple dwellings or apartments that will be rented out as investments.
Commercial and development finance is specifically tailored towards larger projects. These include office blocks, shopping centres, warehouses and factories. These investments will ultimately generate income for the borrower through rent payments collected from the tenants occupying those buildings once complete.

Costs Associated with Borrowing for an Investment Property

You’ll need to factor in a range of additional costs when purchasing an investment property, including:

Upfront costs:

Stamp duty
Conveyancing fees
Legal costs
Search fees
Pre-purchase pest and building inspections

Ongoing costs:

Council and water rates
Building insurance
Landlord insurance
Body corporate fees
Land tax
Property management fees (if you use an agent to look after the property and manage tenants)
Repairs and maintenance costs

Factor in the Potential Tax Implications

Different loan structures can provide different tax deductions and benefits, so careful consideration should be given when selecting a lender.

It is important to speak to a qualified accountant or financial planner before taking out a loan. This will ensure you fully understand any potential taxation benefits or liabilities that may arise from your chosen loan structure.

Ensure Due Diligence

To ensure due diligence, you’ll need to research and study the local real estate market where you’re planning to purchase your investment. Take time to review the current economic climate and forecast trends that could affect your investments. These factors include changes in property prices, unemployment rates and interest rates.

You can protect yourself and your investment property from the potential risks associated with this type of venture when you study and understand the industry thoroughly.

Assess Your Financial Situation

Finally, assess your financial capability both now, and over time, as investments change throughout their lifetime. Looking at your cash flow situation and mitigating any potential risks associated with repaying the debt will assist in setting up a successful investment strategy.

The most effective way to do this is by seeking professional advice from qualified finance brokers who specialise in finance for property investments in Australia.

You can draw out equity from your existing property to use as a deposit for your new investment.

Why Go With the Investment Loan Brokers At ZEP Finance?

What are the benefits of working with the experienced team of investment loan brokers at ZEP Finance?

Best rate

Our job as investment loan brokers is to ensure you get the very best interest rate to suit your circumstances. We’ll research the market, compare rates from various lenders and negotiate directly with the lender to ensure the best outcome.

Stress less

We believe borrowers should be able to enjoy a simple application process that is as stress-free as possible. That’s why we’ll happily do all the work for you! Sit back and relax as we manage the paperwork for you, from application through to settlement.

Expert Assistance

You have a team of industry experts at your disposal to answer all of your questions throughout the loan process. Your current financial situation will be assessed, and we’ll provide expert advice on how best to achieve your property investment goals.

More Lenders

We have access to a wide network of lenders, including those that you might not find on your own. This expands your options and increases the chances of finding a loan product that perfectly fits your investment strategy.

Tailored Solutions

We understand that every investor’s situation is unique. Our team takes the time to understand your specific goals and financial position, allowing us to recommend tailored loan solutions that align with your investment objectives and long-term plans.

Ongoing Support

Our service doesn’t end once your loan is approved. We provide ongoing support and advice throughout the life of your loan. Whatever you need in the future, we’re here to help you navigate the complexities of property investment.

Using Home Equity to Secure Investment Finance

Unlocking the potential of your existing property’s equity can be a powerful strategy to secure finance for investment purposes. At ZEP Finance, we understand that leveraging home equity can significantly enhance your investment capabilities, offering a pathway to expand your property portfolio without the need for a substantial upfront cash deposit.

What is Home Equity?

Home equity is the difference between your property’s current market value and the outstanding balance on your mortgage. Essentially, it’s the portion of your home that you truly own. Over time, as you pay down your mortgage and your property’s value appreciates, your equity increases.

How Can You Use Home Equity for Investment?

Tapping into your home equity involves refinancing your existing mortgage to access the built-up value. This process allows you to take out a new loan that is larger than your current mortgage. The difference between the two loans is released to you as cash, which you can then use as a deposit or full payment for an investment property.

Benefits of Using Home Equity

1. Access to Funds: Utilising your home equity provides a source of funds without needing to dip into your savings or sell other assets.

2. Lower Interest Rates: Home equity loans may come with lower interest rates compared to other types of loans because they are secured against your property.

3. Tax Advantages: The interest paid on home equity loans used for investment purposes may be tax-deductible, adding a potential financial benefit.

At ZEP Finance, our experienced brokers are here to guide you through the process of leveraging your home equity. We’ll help you navigate the complexities, ensuring that your investment finance aligns with your long-term financial goals. Unlock the potential of your home’s equity and take the next step toward building your investment portfolio with confidence.

Frequently Asked Questions About Investment Property Loans

What are the different types of investment home loan products in Australia?

Investment property loans in Australia are typically offered as a variable rate or fixed rate loan, depending on the borrower’s preference. Variable-rate home loans allow borrowers to benefit from any interest rate reductions, while fixed rates offer a degree of certainty and can help to minimise potential payment increases. Split loan products are also available as a combination of variable and fixed rates.

How much can I borrow for an investment property?

The amount that you can borrow will depend on a number of factors such as your income, assets and credit history. Generally speaking, lenders may lend up to 80% of the purchase price or value of the property (whichever is lower). However, this percentage may be higher depending on your circumstances. It may also be possible to secure additional funds through other means, such as using equity from an existing property.

Are there any restrictions when buying an investment property with a loan?

Yes. Some lenders place restrictions on investment properties that they finance, including minimum rental returns or a maximum number of bedrooms that are allowed. It’s important to read all the terms and conditions carefully so you know what restrictions apply before committing to a particular loan product.

Additionally, most lenders require that the borrower has held an Australian residential mortgage for at least six months before they will be willing to approve an application for an investment property loan.

What is the difference between loans for homeowners and loans for investors?

An investment property loan is used for the purchase of an asset that generates rental income. A home loan is used to purchase a residential property which will be your primary residence. Investment mortgages often have different criteria compared to home loans, such as different deposit requirements and higher interest rates. However, they may also offer tax benefits for investors.

Can I use equity from my existing property portfolio when applying for another investment home loan?

Yes, many borrowers utilise equity from their existing properties by refinancing these assets during the application process. This may help to increase your buying power when acquiring more properties. Using equity may also allow you to purchase larger valued investments down the track if desired.

What are the tax benefits of investment property loans?

Investment property loans can offer several tax benefits, including the ability to deduct interest payments, property management fees, maintenance costs and depreciation on the property and its fixtures. These deductions can help to reduce your taxable income, potentially improving the profitability of your investment.

To make sure you understand all the tax implications and benefits specific to your situation, consult with a tax professional before going ahead with an investment property purchase.

110+ Google Reviews And Counting

Mal Riddle

06:31 08 Apr 24

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04:38 05 Apr 24

I'd heartily recommend Kylie and the team at Zep for your mortgage needs.

Claire Westra

04:28 05 Apr 24

I'm a property investor with 6 properties thanks to this family run brokerage business. I have had nothing but exceptional service from Zep finance. They don't cross-collateralise, work closely with your accountant and are so smooth and easy to work with.Zains team consider well over 100 lenders to come up with the right loan product for investors. These guys do the hard yards and I could not recommend them more.

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01:26 05 Apr 24

Highly recommend ZEP Finance, a local family-owned business whose kindness, passion, dedication & attention to detail shines through everything they do. Exceptional humans going above and beyond!

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03:59 04 Apr 24

The team at Zep were so incredibly helpful and made buying our first home not as stressful 10/10 recommend

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06:18 02 Apr 24

The team at Zep have been amazing.We had a more difficult settlement and each of the team gave me time, clear direction each step of the way and were extremely patient.Many thanks!!!Highly recommend

Carliene

23:22 25 Mar 24

Zain is absolutely fantastic. He helped us with the refinance of our first home to help us buy our dream large acreage property nearly three years ago. Coming off our fixed loans, Zain is now helping us keep our new variable rates as low as possible. He’s been of tremendous help during the process each time. Highly recommended!

tara curnow

08:01 24 Mar 24

The Team at ZEP were extremely helpful from the start to finish of the entire process and even after with check ins to ensure we are on a great rate and things are going smoothly. Extremely professional, fast and go above and beyond to ensure you reach your goals. Highly recommend!

Paul Chaffer

23:19 20 Mar 24

Kylie Harris, my broker was excellent in her approach and assistance. She was clear, concise and made it an effortless, streamlined process unlike other experiences I have personally had refinancing property. I felt trust, care and guidance from her and the team upon every step, delivering a great outcome. I have since produced two more leads for her with long term friends who were equally impressed.

Kylie Harris

23:17 20 Mar 24

Fantastic Team!! Second to none!!

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23:19 01 Mar 24

ZEP took the time to explain the home loan process to making it stress free. They were always there to help when needed, wound highly recommend Zain and the team.

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05:17 29 Feb 24

We had such a straightforward, no problems process with Zep. Communication was clear and consistent and the staff were all friendly and accomodating. Thank you!

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09:21 22 Feb 24

Zain and the team have helped us with loans, refinance and financial advice. They are unbelievable and easy to deal with. Call them now!

Shaun

06:36 22 Feb 24

Zain and the team were great. All the way from initial contact to past our settlement date to make sure the whole process was smooth.Dealing with Karina and Trudy they made everything hassle-free and had great communication at all times. 11/10, highly recommend.

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03:44 20 Feb 24

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11:00 15 Feb 24

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22:31 13 Feb 24

We have been very happy with the service provided by Kylie and the rest of the team at ZEP finance- they've ensured a very smooth journey for our refinance and property purchase. We've already recommended them to friends and family

Matthew Gordos

11:43 11 Jan 24

ZEP Finance helped us throughout the process of selling and purchasing our homes by ensuring that paperwork and communication with our finance institutions was completed under tight timeframes

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19:40 18 Dec 23

Zep finance helped us achieve what we were trying to do when no other brokers could. The whole experience was met with an extremely helpful and positive mindset with nothing ever being a problem.The addition of incredibly helpful staff made our experience with zep one that we will highly recommend to anyone looking to refinance like we did.Give Zain and the team a call, you won't be left disappointedAsh

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04:27 18 Dec 23

Great service again from zep finance.Could not recommend them highly enough.

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03:19 12 Dec 23

Can not recommend Zain and his team enough! They are amazing at what they do..their communication, knowledge and processes are flawless.Thanks again guys!!!

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23:51 05 Dec 23

Zain and the team at ZEP Finance are incredibly responsive to any questions and are genuinely customer-focused. They invest the time to get to know their clients and develop long-term relationships with them. It's comforting to know that expert advice and any assistance is only ever a phone call or email away. Over the past 5 years, I've found that they always act in the client's best interest and nothing is ever too difficult for them whether it be assisting with identifying the best lender for your needs, renewing loans or purchasing a home. They just make it happen!

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04:08 14 Nov 23

Zain, Emma and the whole team at ZEP finance have done an amazing job. They successfully navigated us through our construction loan, and then onto refinancing to get us a better home loan with a reduced interest rate. We’ll done guys! You have taken a huge weight off of our shoulders. We look forward to dealing with your amazing, local, Lennox Head, family run business for any new mortgage needs!

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21:29 07 Nov 23

Zain and his team are friendly, efficient and professional. We have used ZEP’s services on a few occasions and I can not speak highly enough of them. They are patient and understanding and go above and beyond any expectations you may have. No hesitation in giving 5 stars plus…. Your emergency is their urgency. Fast and easy.

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23:26 31 Oct 23

Highly recommend using ZEP Finance they made the process of getting finance easy and completed the process quickly and efficiently.

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03:34 10 Oct 23

Zain and the team at ZEP Finance came recommended when we started looking at buying near Lennox and needed financing. Zain was able to assist us in getting the best solution for our mortgage. The team was incredibly attentive, responsive with any queries we had along the way and professional. They made the process seem as seamless as can be considering the current lending context. A big thank you Zain, Trudy and Kelly for your expertise and support, we will certainly recommend your services.

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11:14 03 Oct 23

Couldn't be happier with the team at ZEP Finance. Can be quite overwhelming when making these life changes and they eased us through it all! Thank you so much

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07:17 11 Sep 23

We just purchased our second home with Zain and his teams help and my goodness they are truly amazing ! They are quick and efficient and make the process stress free not to mention they are all so lovely and helpful with every need . Couldn’t recommend them enough!

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06:45 01 Sep 23

Zain, Emma, Karina and the team were wonderful. They expertly navigated our complex situation, were endlessly patient and explained everything to us in plain English, which was really appreciated. Highly recommend.

SALT GYPSY

00:35 26 Aug 23

We were recommended Zep Finance by friends of ours. Zain, Emma and the team met and exceeded our expectations and we couldn’t recommend highly enough. This was our first home loan experience and their communication was always prompt and clearly explained which made the whole process as straightforward as possible for us. Thanks so much for your perseverance and dedication to finding a home loan solution for us guys, really appreciated!

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09:28 25 Aug 23

Brett Watson

05:01 14 Aug 23

Kylie Harris from Zep helped me throughout the process and was amazing in my opinion, I have already recommended Zep to friends .

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04:48 14 Aug 23

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05:33 10 Aug 23

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00:12 25 Jul 23

Fantastic service once again! We've used Zain and the team from ZEP Finance for our past mortgages and recently to extend our current home loan to get some renovations done. Zain and his team was excellent at communication and did everything in a timely manner. Highly recommend and will definitely use them again in the future.

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13:03 05 Jul 23

Zep finance is truly amazing and will help you achieve the best result. As a first home buyer, I am not sure about the process but my broker Kylie and Karina have always been very helpful, always kept me informed throughout the process and went above and beyond to assist until it is all completed. It was an amazing experience I couldn’t have done it without ZEP Finance !!!

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10:41 11 May 23

Zep finance seamlessly managed our recent refinancing and made the whole process so easy for us. The whole team are friendly, professional and very thorough. They were also amazing to deal with a few years ago when we were first home buyers navigating a construction loan. Highly recommend!

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04:30 10 May 23

Zain and the ZEP team helped us get our initial home loan in 2019 and have just assisted us with refinancing. Great team, happy to answer all questions and a smooth process. Would recommend to anyone, near and far - we work with team from Western Brisbane without any dramas!

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10:40 19 Apr 23

Made it easy for me to get my house loan. The staff were all very professional and made the whole process much easier and smoother. I would never have been able to settle on my purchase so quickly had I not had the team behind me. Everything was clearly explained to me. They took the stress out of the whole process.

Pip C

10:24 19 Apr 23

Zain and his team did a wonderful job securing me a home loan and helping me understand the steps involved. They communicated with all the necessary parties on my behalf and l couldn't have been happier with the work they did for me. I highly recommend ZEP finances. Many thanks Zain, Kylie, Lisa and all the team.From a happy first home owner!

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08:32 30 Mar 23

Zep Finance are world class! This was my 6th mortgage and by far the best advice and all round service I've ever experienced. Kylie went above and beyond to find me the best deal, with Trudy, Emma, Jasmine and Caitlin keeping me informed along the way. Thanks ZEP! I really appreciate the great loan you negotiated.Highly recommend this team!

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01:23 28 Jan 23

Amazing⁫ experience for first home purchaseZEP Finance we’re excellent in making our fist home buying experience simple. Our broker, Joel, provided an awesome experience when purchasing our very first home and wer were able to purchase the home of our dreams. Throughout the whole process, Joel always communicated with us clearly and answered any questions we had, making sure we understood. Thank you to Joel and ZEP finance for providing us with a great experience and we will be sure to return when we need a broker in the future.

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22:20 27 Dec 22

The team at ZEP Finance were very professional throughout the whole loan process and provided us with several options that suited our circumstances. Not living local was not an issue for them and the communication provided from the ZEP team was amazing. If you are looking for a service which is tailored to your specific needs we highly recommend reaching out to Zain and his team. Thanks for helping us achieve another milestone in our lives.

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05:17 16 Dec 22

So⁫ grateful for Zep Finance.There are few words that can explain our gratitute to Zain and Joel.The brokerage service was excellent from beginning to end in assisting us to secure our very first home.Zain and Joel made us feel valued and informed each and every step of the way on our journey to owning our own home.We can't thank them enough for their exceptional, meticulous, professional and efficent assistance and support.If you are looking for a broker, we can absolutely recommend Zep Finance and will continue to use their services in the future!From the Myburghs.

Abbey McBurney

23:37 20 Oct 22

Third⁫ time - Still Amazing ServiceThis was our third time working with ZEP Finance. The whole team supported us through a very difficult process negotiating with our previous lender following the February/March floods. We would have been lost without their support.They then switched gears and sprung into action to get us locked and loaded to buy a new, flood free home.Joel helped us obtain pre-approval with our preferred lender and the whole process from exploring options to pre approval to settlement was seamless and stress free.Zain has built a quality and caring team, whose attention to detail and customer service is hands down second to none.I have always, and will continue to recommend ZEP to anyone looking into finance options.

The Image Collective

05:22 04 Oct 22

Highly recommend the entire team at ZEP to anyone needing finance information or services. The results were nothing short of amazing. This experience for me has restored my reservations about loans/finance with their professionalism and knowledge. I understood everything that was explained, was given options and felt so empowered to leave my long term bank.I have since referred family and friends to see them and hope anyone reading this gives them a go. Trust me, you won't be disappointed. THANK YOU ZEP!!!

Nat Daley

00:18 02 Aug 22

Second to noneOver many years and many transactions, Zain Peart and his team (Kylie, thank you) have always been great, but this time they went above and beyond. Our situation is complex, the investment property transaction we just executed was complex, and what was even more complex was the timing of the transaction (floods, COVID-19, interest rate increases, maternity leave, personal matters etc). ZEP provided much needed stability in these uncertain times. There is nothing that office cannot do, and it seems the more complex the scenario the more they stand out. I cannot recommend ZEP highly enough, and do to my family, friends and clients 100% of the time.

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10:06 11 Jul 22

Amazing service! Zain, Kylie and the team went above and beyond for us. They made the process so easy. They did all the hard part for us, we didn’t even have to lift a finger! Always keeping us up to date with the progress of the loan application, very professional and friendly. We would recommend the team to anyone! Thank you guys! Craig and Wan

J C

10:03 11 Jul 22

I couldn't have asked for better service! Zain, Jasmine, Emma and the entire team at ZEP worked around the clock to find the best possible loan for my situation.If you're looking for a professional, timely, considerate and understanding broker, ZEP is my recommendation. Jasmine always replied to my requests quickly and efficiently and Zain worked tiressly to find the product just for me.

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10:02 17 May 22

PROFESSIONALSERVICE AND GREAT COMMUNICATION !!Zain,⁫ Joel and his team were extremely helpful, responsive and gave us excellent advice throughout the process of obtaining our loan and securing a home in this difficult property market. Their service was sincere and supportive and we would highly recommend to anyone to use their services. We will most definitely reach out to them once again for any further loan applications. These guys made it all happen !!! THANKS HEAPS

Helen Woodburn

00:55 15 Jan 22

Buying and selling property can be stressful so having someone assist us with our financing towards the selling and buying of a property was very important to us. Zain at ZEP Finance came highly recommended. Both Zain and his team did an incredible, efficient and professional job from start to finish. Zain's knowledge and experience is exceptional which instilled our confidence and trust. The team's communication was outstanding and their timely and prompt attention to detail provided comfort and peace of mind throughout the process. This meant we could focus on other necessities associated with moving house as well as saving us a heap of time. We would highly recommend Zain and ZEP Finance to anyone requiring a mortgage broker.