Become an Investor.
Have you found it difficult to find the ideal investment property loan to meet your needs? You need a comprehensive plan put together by the experts to capitalize on what borrowing potential you have.
How do you organize your property portfolio to capitalize on any favorable interest agreements and smaller deposit options? Our loan specialists have years of experience in helping potential investors become successful entrepreneurs.
Mr Loans financial experts work with you and your lender to minimise deposit sums and increase interest only-periods in your favour.
Contact us today, let’s us help you to get your investment loan done fast.
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What is Loan to value ratio (LVR)
If you are unfamiliar with the term LVR or loan to value ratio, our skilled brokers at Mr Loan can enlighten you on the specifics. Lenders lend depending on pricing percentages. What will it cost to buy the property you want? This matters because lenders often do not feel comfortable lending more than 80 per cent the price of the property you want to purchase. If you do take out a loan that exceeds the 80 per cent LVR, lenders usually needed some assurance that you will not default. You may have to pay for a Lender’s Mortgage insurance, this option safeguards your lender’s interests and lowers their risk of losing money on your loan. The more you pay on the purchase price out-of-pocket the more likely your interest rates on a loan will be lower. Our brokers explain the finer details behind the LVR you may face and calculate the type of deposit you should or can make to better your budget.
Types of Investment Loans
There are many similarities between home loans and property investment loans. Fixed rates, variable rates and other options that include both fixed and variable interest choices are available to you through a prospective lender. If you aren’t sure what loan options to choose from here are some of the details for each variation:
Home loans that include a variable rate fluctuate the interest payments you are required to pay. Your loan lender may change the interest rate you pay throughout the duration of the loan. If you want a loan that allows you to make additional payments to get rid of your debt more quickly, this loan may be exactly what you are looking for.
Do changes cause you anxiety? A loan that has a fixed rate ensures your interest rates don’t change over the duration of the agreed upon loan. A low fixed rate on a loan allows new homebuyers or investors to adhere to a set payment plan without unexpected interest hikes.
If you are an investor it’s possible to combine a fixed rate and variable rate into one loan. Our experts in finance know lenders that apply a fixed rate to a certain portion of your loan and allow for a variable interest rate to apply to the remainder of the loan. This way you’ll have both the flexibility and consistent element you need to maintain a feasible payment plan. The combination of the fixed and variable rate is what is called a split-rate loan.
What is in your best interest? It could be that acquiring an interest-only loan meets your investment needs. Any repayments that you pay towards your loan goes directly towards the interest of the loan. An interest-only loan can open the doors to tax benefit eligibility.
Are you unsure which loan option to choose to jump-start your journey towards being a profitable investor? Contact the Aussie brokers we have on staff at Mr. Loan today and we’ll lead you down the right path towards fortuitous property investment opportunities.
Choose Our Award-Winning Team
As a recipient of the Australian Broking Award, we understand the pitfalls and benefits of finance. We make it our business to help you acquire the home or property you need to better your circumstance. Every day is another opportunity for us to show you how you can attain your dreams.
No financial complexity is too difficult to find a solution to. Our team of specialists at Mr Loan specialise in providing answers and opportunities to clients who have situations that may cause difficulty in the loan acquiring process. Bank policies are difficult to navigate without a comprehensive guide or advocate. The brokers on our team are well-versed on your situation and strive to find a solution you can literally take to the bank!
Our specialists aren’t just well-trained they are highly-qualified because we ensure they adhere to FBAA and premium customer service standards. No matter what your financial situation, our consultants narrow the finance field by selecting ideal products and plans. Do you want time-efficient money solutions? Call us!
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