Smart Investment Property Loans To Grow Your Portfolio
Are you are looking to buy your first home or investment property? Perhaps you already own a portfolio of properties? Either way, we’re here to assist you to prepare a smart investment strategy so that your property portfolio can grow with you.
Whenever we have a home loan enquiry, we always ask, ‘Do you think this will be your forever home?’.
This is because many people buy their first home, and then a few years later turn it into an investment property and move onto the next one!
Having this conversation and securing the right type of finance from the get-go can not only save you thousands, but also ensures your investment goals are not hindered by a loan contract.
A financial structure that doesn’t align with your investment strategy can be just as detrimental as selecting the wrong type of property.
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Ongoing Refinancing & Tax
We pride ourselves on providing the utmost service and genuine care for our clients, so a big part of our service is getting to know you, to help you set clear investment goals and formulate a plan to get there. We’re with you every step of the way, continually monitoring your best options, in case refinancing is a financial win.
We can also help you to understand your tax obligations and any tax benefits you may be eligible for. We’ll liaise with your accountant to discuss your needs and ensure we all work together to confirm any investment decisions align with your overall strategy.
Interest rates have been historically low, but credit has tightened in the wake of the COVID-19 crisis, and risen dramatically, so lenders are more cautious about who borrows and for what.
We’re up-to-date with each lender’s appetite in this new environment, and can secure you an investment loan, or review your existing portfolio to see if there are savings to be made.
Give us a call today on 1800 115 626 or get started online.
Sunshine Coast Brokers That Care About Your Business’ Success
We’ve been working with Sunshine Coast Businesses for over 10 years. We get it. We understand the difference between cash flow and profitability. We understand how negative cash flow keeps business owners up at night and prevents the machine from growing. We understand that most business owners would prefer not to tie their property up as the security for funds to run their enterprise. We know that business owners are at their very best when their business is pumping. We’re business owners ourselves, and we live and breathe this stuff just like you.
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Investment Loan Types
Customer Reviews & Comments
Instead of talking our finance brokerage up, read through our customer reviews. This is a direct feed from our Google business reviews, so you know they’re 100% genuine.
Nicholas Hopkins
12/4/2024
Luke and his fantastic team will take care of everything, An honourable mention to Deb Moss for meeting me at 6 am at a BP station to sign docs on here day off to enable me to get the house I had been chasing for months. Ledgends. Have dealt with Luke and his team before and will use them again and again their service is second to none.
Felipe Prado
12/4/2024
We trust the Team at Loanright with our financial guidance. Throughout the whole process they make sure you are informed in time, accurately and with all the transparency you could ask for. It really sets you at ease that they have your best interest in mind. Their customer service is prestine and always available for you to ask any questions you may have. Thank you Loanright Team!
Adrian Chrisanthou
12/4/2024
Thanks so much Brett for your professionalism and tenacity in regards to getting my deal done with loanright. I look forward doing business with you in the future as I found the experience seemless and timely. Keep up the great work Brett and team
Kimberley Priest
12/4/2024
Have had the best experience working with these guys to purchase our investment property. Great application system, so quick and easy, and all questions answered promptly along the way. Highly recommend!
Cassie McKee
12/4/2024
Luke and Shayna were awesome during the process of us buying our first home. So many things can be confusing during the process for first time and they were always happy to talk us through things no matter how small. Held our hand through the process and were able to get us into our first home. Very glad we found them. Highly recommend Loanright
Alyshia Judd
12/2/2024
I had a fantastic experience with Alicia. Super friendly, warm and knowledgeable 10/10.
Daniel O’Dea
12/4/2024
Brett and Alicia came highly recommended from a work colleague. I had previously gone through a pre approval process with another broker (which will remain unnamed). The difference was night and day. Being a first home buyer I had no idea what I was doing. Both Brett and Alicia were so accomodating and answered all my silly questions and walked me through EVERYTHING step by step. We had my pre approval through in about a quarter of the time of the last brokers!! Once I found the home I wanted to buy it was literally the easiest thing in the world. They will be getting all my business.
Mellissa Lambert
17/1/2024
We’ve used the expertise of Luke, Shayna and the Loanright team on two separate occasions now, I must say their service is second to none and they get the job done In record time. No question was too silly, they always have time for us. Would use again and recommend in a heart beat to anyone else needing brokerage assistance. Many thanks.
Ashley Pearce
12/3/2024
Luke and the team helped us with a refinance and we couldn’t be happier with the result. I would highly recommend the Loanright team to anyone.
Tim McGary
12/4/2024
OMG!! These guys are next level good. They have just settled our new home loan and we had another guy that took 4 weeks and did nothing. We then called these guys after a friend said they were amazing. They got us a home loan approved from start to finish in 35 days and I have just been released from a personal bankruptcy a few months back. We were unconditional on our purchase contract by the time we met these guys so they had to do everything perfectly and super quick. They did it with ease and the customer service and follow up and friendly attitude was totally incredible. I couldn’t recommend them anymore if I tried.
Tegan Shingles
12/4/2024
Sam & Shayna have been fantastic throughout my whole processing of purchasing my new home. No question went unanswered and both have always been a pleasure to talk to.
Thea Hambuechen
12/4/2024
It has been a pleasure dealing with Luke and his team. During the process Alicia and Shayna have been very informative and kept in contact regularly to make sure we knew what was happening every step of the way! We will definitely be using Loanright in the future and highly recommend. Thank you again for helping us purchase our first home.
Investment Loan Frequently Asked Questions
How much money can I borrow?
We’re all unique when it comes to our finances and borrowing needs. Contact us today. We can help with calculations based on your circumstances.
How much do I need for a deposit?
Most Australian lenders require you to have a minimum deposit of 5% – 10% of the purchase price, plus enough savings to cover your purchasing costs (eg. stamp duty and conveyancing).
If you’re not quite there yet, give us a call and we’d be happy to provide you with some pointers on saving more of a deposit or next steps. There are also some great home loan resources on our blog.
What will my repayments be?
There are so many different investment property loan products, some with lower introductory rates, so we really need to talk to you to understand your needs, before we can quote your repayments. Talk to us today to see what’s currently on offer from our lending partners. We’ll work with you to find a loan set-up that’s right for you.
What does it cost to use a Loanright Mortgage Broker?
It usually costs you nothing to use a Loanright Broker to assess your scenario, find you a suitable loan and have it approved and settled. If any fees apply, we will discuss these with you before proceeding.
On most occasions, we are a paid commission from your lender after the settlement of your new loan. This commission is not paid by you, and does not influence which lender we place your loan with – we always have your best interests in mind when selecting the right loan for you.
A Mortgage Broker actually saves you money by finding you a competitive loan and making sure you know exactly what you’re signing up for. We build strong relationships with the banks and often have access to competitive loans that are not available to the general public.
What are the costs involved in buying an investment property?
When you are looking to buy an investment property, a few of the costs you should budget for include:
- stamp duty
- conveyancing fees
- legal costs
- pest and building reports
There are also ongoing costs of owning a property, which include:
- council and water rates
- land tax
- body corporate fees
- building insurance
- landlord insurance
- property management fees (if you use an agent)
- repairs and maintenance costs
I want to buy an investment property on the Sunshine Coast. Can you help?
Yes! Give us a call on 1800 115 626 or get started online.
I want to buy an investment property that is NOT on the Sunshine Coast. Can you help?
Yes! Give us a call on 1300 115 626 or get started online.
Which suburbs do you service on the Sunshine Coast?
We can assist you with finance in person or remotely via phone calls or zoom. We are not restricted by location, so give us a call wherever you’re located.
Sunshine Coast suburbs we service include…
Caloundra Area:
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Maroochy area
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Should I buy an investment property on the Sunshine Coast?
It’s always beneficial to have a team of professionals on your side when you’re thinking about buying property.
If you’re wondering if buying property on the Sunshine Coast is a sound investment, you can engage a financial planner and / or accountant to discuss your options. We are happy to sit in on these discussions so that your team of professionals are all up-to-date with your overall strategy.
Get In Touch With A Broker Near You
If you’d like more information about how to use finance to grow your business, then reach out and our commercial finance team will happily assist. Whether you’re in the market for vehicle finance, or specialist equipment, we have 100+ lending partners to choose from. You’ll be tapping into Australia’s largest network of banks and lenders.