Investment Loans

At Solve It Finance, we understand that investing in property is a significant step towards building wealth and securing your financial future. Whether you're purchasing your first investment property or expanding an existing portfolio, accessing the right investment loan options is crucial. Our Finance & Mortgage Brokers work with Perth clients to find suitable loans from banks and lenders across Australia.

One of the key considerations when exploring investment loans is the interest rate. We provide guidance on both variable and fixed interest rates, helping you determine which suits your financial situation. Variable rates offer flexibility and the potential to benefit from market movements, while fixed rates provide certainty over a set period. Our brokers will walk you through the differences so you can make a well-informed decision.

It's also important to understand lenders mortgage insurance (LMI), which may apply if your loan to value ratio (LVR) exceeds a certain threshold. LMI protects the lender in the event of a default. We help you calculate your LVR, assess whether LMI applies, and explore ways to minimise this cost where possible. We can also identify potential interest rate discounts you may qualify for, which can improve the overall return on your investment.

Your credit history plays an important role in the investment loan application process. A strong credit history can positively influence your borrowing capacity and may result in more favourable loan terms. Our team will review your financial position, including credit history and bank statements, to give you a clear picture of what you can borrow. If you're unsure where you stand, our home loans and refinancing pages may also be useful starting points.

When applying for an investment loan, it's important to account for all associated costs, including stamp duty. These expenses affect the total funds required and should be factored into your financial planning from the outset. We help you estimate these costs and incorporate them into your investment loan repayment calculations, so you have a complete picture of the financial commitment involved.

For those new to property investing, the loan application process can feel overwhelming. Our brokers guide you through every step, from assessing your position to submitting your application. If you're also considering self-employed home loans or SMSF loans as part of your investment strategy, we can help with those too.

In Perth's property market, having the right loan structure in place can make a real difference to the success of your investment. At Solve It Finance, we provide personalised support tailored to your goals. Whether you're calculating repayments, comparing interest rate options, or planning to unlock your home equity to fund your next purchase, our team is ready to help. Book an appointment today to get started.

1. Initial Consultation with your mortgage broker
   Your journey starts with a one-on-one conversation with your expert mortgage broker. We take the time to personally understand you and your financial goals, whether you're buying your first home, investing in property, or securing a commercial loan.

2. Assessing Your Financial Position
   Next, we'll gather the necessary documents such as pay slips, tax returns, tax returns and details of your assets and liabilities. This helps us assess how much you can comfortably borrow. We'll explain your borrowing capacity, and guide you on steps to strengthen your position if needed, ensuring you're set up for success.

3. Exploring Loan Options
   Once we understand your financial picture, we'll research various options from our large range of lenders to find the best fit for you. We'll explore all aspects, including interest rates, loan features, fees, and terms, so you're fully informed about your choices.

4. Pre-Approval Process
   Pre-approval is a crucial step in the property buying process. With pre-approval, you'll have a clear idea of the loan amount you can borrow, which strengthens your position in the local property market. Your broker will help you gather the necessary documents and submit them to the lender for pre-approval, ensuring the process is as quick and straightforward as possible.

5. Submitting the Loan Application
   Once pre-approval is in hand, your broker will help you complete the application to unconditional approval. They will guide you through submitting all the remaining items to the lender such as a contract of sale and valuations. Your broker will communicate directly with the lender to ensure the application is processed quickly, ensuring no delays in getting you the loan you need.

6. Loan Approval & Settlement
   After your loan is approved, your broker will review the final loan offer with you and help arrange any necessary insurance, such as mortgage protection insurance. They will also work with you to ensure you understand the terms of the loan and guide you through the settlement process. Your broker will remain available to help you navigate any final hurdles before you complete the purchase of your property.

7. Finalising Ownership
   The final step is settlement, when your loan is officially advanced, and you take ownership of the property. Your broker will coordinate with the lender and conveyancer to ensure the transfer goes smoothly. Once the settlement is complete, you'll officially become the owner of the property, and your Finance & Mortgage Broker will continue to offer guidance to help you manage your loan and stay on track with repayments.