Investment Loans - Your local Rockhampton Mortgage Broker

Investment Loans

We have access to hundreds of Investment Loan options, let us help you with your loan

5.0

from 53 Reviews

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

Navigating the world of investment loans can be both exciting and daunting. At Your Loan Guy, we specialise in helping residents of Rockhampton and its suburbs, including The Range, Allenstown, Frenchville, and Norman Gardens, access investment loan options from banks and lenders across Australia. Whether you're buying a home to live in or looking to expand your investment property portfolio, understanding the ins and outs of investment loans is crucial to making informed financial decisions. We are here to guide you through the process, ensuring you find the best options tailored to your financial situation.

When considering an investment loan, interest rates are a key factor. Both variable and fixed interest rate options are available, each with its own advantages. Variable interest rates may fluctuate with the market, potentially offering savings if rates drop. On the other hand, fixed interest rates provide stability, allowing you to budget your repayments with certainty. Exploring these options can help you decide which suits your needs best. Additionally, negotiating interest rate discounts could lead to significant savings over the life of your loan. Understanding how these rates will affect your repayments is essential, and we can assist you in calculating investment loan repayments to ensure they align with your budget.

Another crucial aspect of applying for an investment loan is understanding the loan to value ratio (LVR). This ratio determines how much you can borrow against the value of the property you're interested in. A lower LVR might mean a more favourable interest rate, but it also typically requires a larger deposit. It’s important to assess your borrowing capacity carefully, taking into account your credit history and bank statements to present a strong investment loan application. If your LVR is high, lenders mortgage insurance (LMI) may be required, which protects the lender if you cannot meet repayments. Factoring in costs like LMI and stamp duty when buying a home is essential for accurate budgeting.

The application process for an investment loan can seem overwhelming, but Your Loan Guy offers a streamlined application process to help you every step of the way. From gathering necessary documentation such as bank statements to understanding your credit history's impact on your borrowing capacity, we're here to simplify it for you. Whether it’s your first investment property or you're adding to an existing investment property portfolio, our expertise ensures you're well-prepared for each stage of the investment loan application.

The property market in Rockhampton and its suburbs presents unique opportunities for investors. By leveraging our local knowledge and experience in investment loans, we help you navigate these opportunities effectively. Understanding market trends can influence your investment strategy and loan terms, making it vital to have expert guidance on hand. We help you evaluate the potential growth in property value against costs like interest rates and LMI, ensuring your investments align with long-term financial goals.

Choosing Your Loan Guy means choosing a partner committed to your success in the property market. We equip you with the knowledge and tools needed to make confident decisions about your investment loan. Whether you're calculating investment loan repayments or finalising an application process, we provide support tailored to Rockhampton residents. Take the next step towards achieving your property goals with us by your side—reach out today to explore our comprehensive investment loan options and see how we can help you secure an advantageous Investment Loan Interest Rate.

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Our Recent Reviews

Ashley is top notch and a true professional at his craft, we live in Brisbane and he did all the work online which was a huge benefit for us. I highly recommend him and have passed his details onto my friends and family who will be using him in the future. Thanks again Ashley!

Clifton Bartram

I couldn't have said it better Ashley really is your loan guy, Ashley was super contactable in our processes to buying our first house, Ashley went above and beyond to make sure we got the best deal and worked well with our deadlines. Ashley is personable, super happy, attentive and over all a fantastic guy, it didn't even feel like talking to a broker it felt like talking to a friend. Ashley, we are so grateful we messaged you and where able to work with you

Chloe Ryan

We have had the pleasure dealing with Ash while buying our first home for our little family. To say that he has gone above and beyond really only scratches the surface. He was very prompt when working out our buying power to which he gave us 3 scenarios, all in a matter of a few hours that same day. From there on it was only a matter of time until we found our dream home. He really was only a phone call away if we had any worries. Extremely thorough when it came to signing all the documents which most of us just glaze over. Its been an absolute breeze and we cannot thank him enough.

Carly Pipe

Ashley made the process of refinancing our properties so simple! He is very approachable and helpful with any questions we had. Ashley has done a fantastic job with helping us achieve our financial goals! We highly recommend him to anyone who is looking for a trustworthy broker!!

Laura Anderson

Frequently Asked Questions

I want to upgrade to my next home, can you help?

If you've already earned equity, we can help you leverage this to secure finance to purchase your next home by leveraging equity and repayment history, preparing a compelling application and structuring your finance to suit your goals.

Can you help us build an investment property portfolio?

If you're wanting to climb the property ladder and you already own a home of your own, you may be able to leverage your equity to buy an investment. We do this by understanding your situation and goals, maximising borrowing power and cash flow and preparing a compelling application.

Do you help with home loan refinancing?

If you've had your current home loan for more than two yers, or your circumstances have changed, it may be time to review your loans. We help by assessing your situation and goals, scouring the market for suitable offers and preparing a compelling application.

Do you help first home buyers?

Buying a home of your own should feel exciting – which is why we streamline the process. We also make it easy for you to access government grants, take care of the paperwork and liaise with the lender on your behalf.

Can you help me get a better deal on my loan?

Getting a better deal doesn't always mean switching to another lender. We help by analysing your current loan structure, understanding what's available in the market and negotiating with your lender.

Can you help me get pre-approved for a Home Loan?

Loan pre-approvals are often system-generated, and if your situation isn't cookie cutter, you may get tripped up when it comes to the formal assessment of your home loan application. This is why we'll secure you a fully assessed pre-approval – to give you certainty.

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Contact

First Floor 5 Aquatic Place,
Park Avenue, QLD 4701

0478 776 585

Your Loan Guy Pty Ltd ABN: 53 673 688 830. Credit Representative #555805 is authorised under Australian Credit License #384704

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.