Buying an investment property or reviewing an existing investment home loan? Eurobodalla Finance can help you compare investment property loans, understand loan repayments, and prepare your application.
Investment loans should suit your property purchase, loan amount, cash flow, and financial situation. We can help you work through the details lenders may review.
We can compare investment home loans from different credit providers, including interest rates, comparison rates, loan features, and monthly repayments.
We can estimate home loan repayments, interest repayments, upfront costs, stamp duty, annual fees, and lenders mortgage insurance if it applies.
We can help prepare the details lenders may ask for, including income, rental income, credit history, credit report, savings, current loan balance, and other debts.
We help property investors compare investment loan options based on their property plans, loan amount, deposit, income, and financial situation.
Use our home loan calculators as a starting point. A borrowing power calculator can estimate how much you may be able to borrow. A repayment calculator can show possible monthly repayments, interest payments, and the effect of different interest rates.
An investment loan is used to finance an investment property. It may apply when buying an investment property, refinancing an existing investment property loan, or reviewing finance for a current investment property.
The deposit depends on the purchase price, loan amount, loan to value ratio, credit history, income, current debts, and the lender’s policy. Lenders mortgage insurance may apply if your loan amount is more than 80% of the property value.
Lenders may include rental income when assessing borrowing power. They may use current rent, a rental appraisal, or a reduced portion of the expected rent.
Some investment loans may allow interest only repayments for a fixed period, subject to credit approval. Lenders may assess your income, current debts, loan amount, deposit, credit history, and ability to manage repayments after the interest only period ends.
Home loan equity may be used to help fund an investment property purchase. Lenders will look at the property value, current loan balance, usable equity, income, debts, credit history, and the new loan repayments.
Allow for stamp duty, lenders mortgage insurance if it applies, conveyancing, loan fees, building and pest inspections, insurance, council rates, strata fees if relevant, repairs, and ongoing loan repayments.
No. Interest only repayments cover the interest charged for that period. The loan balance does not reduce unless extra repayments are made or the loan changes to principal and interest repayments.
Book a free consultation with one of our loan specialist. Fill out the quick assessment form and we’ll help you with your loan.
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