Investment Loans
Prepare for your Future with an Investment Property
Investing in property is one of the most effective ways to build long-term wealth, but navigating the world of investment loans is not always straightforward.
Many prospective investors assume that securing the lowest interest rate on an affordable property is the key to success. While interest rates are important, the most suitable investment strategy often involves far more variables than simply chasing the cheapest loan.
At Sarah Rose Finance, your trusted mortgage broker, we specialise in helping property investors streamline their investment journey, whether you’re buying your first investment property or expanding your portfolio.
More than 40 lenders to choose from, including the majors.
What Makes Investment Loans Different
Investment loans are structured differently from standard home loans, and lenders evaluate them under stricter criteria.
While a home loan for an owner-occupier focuses on affordability and repayment capacity, investment loans consider potential rental income, property growth, and long-term strategy.
Factors to keep in mind when looking for an investment loan include:
- Loan type and structure: Principal and interest vs. interest-only loans can significantly affect cash flow.
- Lender assessment: Lenders often have different serviceability requirements for investment loans, including rental income assumptions and higher deposit requirements.
- Property potential: Location, market trends, and property type all impact your ROI and long-term wealth-building opportunities.
- Tax implications: Investment properties involve considerations such as negative gearing, depreciation, and capital gains tax, which can influence your borrowing strategy.
Given these complexities, working with experienced mortgage brokers like Sarah Rose Finance is crucial.
The Benefits of Choosing Sarah Rose Finance
Partnering with Sarah Rose Finance gives you access to a wealth of knowledge and tools designed to optimise your property investment journey. We add value throughout your investment journey with:
Tailored Loan Options
We evaluate multiple lenders and investment loan products to find the right fit for your circumstances. Beyond interest rates, we consider features such as offset accounts, redraw facilities, flexible repayment options, and loan structures that support your investment strategy.
Investment Property Guidance
Selecting the right property is just as important as securing the right loan. Our brokers assist you in evaluating property options that offer strong rental yields and long-term growth potential, helping you make decisions that maximise ROI.
Financial Organisation & Planning
A successful property investment begins with understanding your financial position. We help organise your finances, calculate borrowing power, and outline your potential investment returns, ensuring that you are positioned for success before committing to a property.
End-to-End Support
From initial consultation to settlement, our team guides you through the entire investment loan process. We explain every step in clear, simple terms, ensuring you fully understand your options and obligations, and providing strategic advice at every stage.
How the Investment Loan Process Works
Securing an investment loan with confidence requires a structured approach. We make the process straightforward with our tried and tested approach:
- Initial Consultation: We start by understanding your investment goals, current financial situation, and long-term wealth-building strategy.
- Loan Assessment: Our team analyses your financial position and borrowing capacity, identifying lenders and loan products that align with your objectives.
- Property Evaluation: While we do not sell properties, we provide guidance on which types of properties and locations typically deliver strong returns.
- Loan Application: We prepare and lodge your application with the selected lender, managing documentation and liaising with the lender to streamline the process.
- Approval & Settlement: Once approved, we ensure your investment loan settles smoothly, helping you navigate any conditions or requirements efficiently.
- Ongoing Investment Advice: After settlement, we continue to support you with refinancing options, portfolio expansion strategies, and insights into maximising your investment returns.
Take Control of Your Property Investment Journey
Property investment doesn’t have to be overwhelming. With the support of Sarah Rose Finance, you can navigate the investment loan process with clarity, confidence, and a clear strategy designed to maximise your returns.
Contact Sarah Rose Finance today to discuss your investment property finance options and take the first step toward building a strong, profitable property portfolio with confidence.
Investing FAQ
What's the first step to investing in property?
If you’re looking to invest, your first step is to book a free consultation. We’ll review your goals, borrowing power, and current lending situation. From there, we’ll create a tailored strategy to suit your needs.
Why should I use a finance broker to invest instead of going directly to a bank?
A broker works for you, not the bank. We compare multiple lenders and loan products to find the most suitable option for your needs. You’ll save time, often access better rates, and get ongoing support long after settlement.
Additionally, brokers are paid commission by lenders, meaning our services are typically free for clients. This won’t affect the rate or loan structure we recommend, as our top priority is always finding the best outcome for you.
Do you only help local clients?
Although we are based on the Gold Coast, we can assist clients from all across Australia via phone, email, or video meetings.
What services do you offer?
We assist with a wide range of finance solutions, including:
- Home loans and investment property loans
- Car and asset finance
- Business and commercial loans
- Equity release for renovations or deposits
- Loan reviews and refinancing
- Borrowing power assessments and lending strategies
See what others have to say
"Sarah Rose Finance team truly understands the market and helped me secure the best mortgage deal. I highly recommend their services."
John Milligan
"Working with Sarah Rose Finance (SRF) was a game-changer for me. Their personalized approach made all the difference in my investment journey, now have 3 properties!"
Emily Chen
"I am grateful to Sarah Rose Finance for their expert guidance. They made the mortgage process smooth and stress-free."
Aisha Patel
Request a Call
At Sarah Rose Finance, we pride ourselves on being the mortgage brokers you can rely on to discuss your property needs. Request a call today, and let’s take the stress out of your next property journey.