Looking to invest in property in Hervey Bay? Securing the right investment property loan is crucial to building a successful portfolio. We’re here to help you get the best loan to suit your goals.

We specialise in investment property loans, offering competitive rates and expert advice. Our team works with a range of lenders to find the best deal for you. We’ll ensure you’re not paying more than necessary, with no hidden fees or confusing jargon.

How Investment Property Loans Work

An investment property loan is specifically designed for purchasing properties that will generate income.

Here’s how it works:

Loan Amount: You can borrow up to a certain percentage of the property’s value (usually 80-90%).

Interest Rates: Investment loans often have different rates compared to owner-occupier loans.

Repayment Options: Choose between principal and interest repayments or interest-only repayments, depending on your investment strategy.

Loan Terms: Investment property loans generally have a standard loan term of 25 or 30 years.

Why Invest in Property?

There are many benefits to investing in property:

Rental Income: Generate steady income from rent, helping you pay down the loan.

Capital Growth: Property values can increase over time, providing long-term financial gain.

Tax Benefits: You may be able to claim tax deductions on interest payments, maintenance costs, and depreciation.

Diversification: Property provides an excellent way to diversify your investment portfolio.

We’ll guide you through the process to ensure that investing in property aligns with your financial goals.

The Benefits of Investment Property Loans

Here’s why you should consider an investment property loan:

Tax Advantages: Many property investors benefit from tax deductions, reducing the overall cost of ownership.

Long-Term Growth: Real estate has a proven track record of long-term capital growth.

Flexible Repayment Options: Choose the loan structure that best suits your investment strategy.

Leverage: Using borrowed funds allows you to invest in higher-value properties without needing to use all of your own capital.

We’ll help you take advantage of these benefits and make the most of your investment.

How Much Can You Borrow?

The amount you can borrow depends on several factors:

Income & Employment Status: Lenders will assess your ability to make repayments based on your income and job stability.

Deposit: Typically, you’ll need a deposit of 10-20% of the property’s value.

Existing Debt: If you have other debts, it may affect the amount you can borrow.

Property Location: Some lenders may have specific criteria regarding the location of the property.

We’ll assess your situation and help you determine how much you can borrow.

Government Incentives for Property Investors

While there are fewer incentives for property investors than first-home buyers, there are still some programs that could help you save:

Negative Gearing: If your investment property operates at a loss, you may be able to offset that loss against your taxable income.

Capital Tax Discount: If you hold an investment property for over 12 months, you could qualify for a 50% discount on capital gains tax when you sell.

We can help you understand the tax advantages and make sure you’re maximising your benefits.

The Investment Property Loan Process (Step-by-Step)

Here’s how we’ll help you secure an investment property loan:

Assess Your Situation: We’ll review your income, assets, and liabilities to determine how much you can borrow.

Compare Lenders: We compare loan options from multiple lenders to find the best rate and features for you.

Choose the Right Loan: We’ll help you select the best loan structure—whether principal and interest, or interest-only.

Secure Pre-Approval: Get pre-approved for your loan so you can start shopping for investment properties with confidence.

Complete the Purchase: Once you’ve found the right property, we’ll assist with finalising the loan and settlement process.

Start Earning: Begin earning rental income and growing your investment portfolio!

Why Choose Us for Your Investment Property Loan?

Here’s why we’re the best choice for securing your investment property loan:

✅ Expert Advice:

We’ll provide clear and simple advice on how to make your investment strategy work for you.

✅ Independence:

We’re not tied to any one lender. We’ll find the best deal that suits your needs.

✅ We Offer Cash Back:

Get a portion of our commission back to YOU, every month, for the life of your loan.

✅ We Do All the Work:

From paperwork to negotiations, we handle everything so you don’t have to worry.

✅ No Hidden Fees:

We believe in transparency, and there are no surprise costs with us.

Ready to Invest in Property in Hervey Bay?

Investing in property is one of the most reliable ways to build wealth. Let us help you get the right loan and start growing your portfolio.

📞 Call us now on 0483908133 or book a free consultation to get started.