How to get an investment property loan

Key Choice Lending makes the process of getting investment property loans in Australia as smooth as possible. Not only will we negotiate with lenders on your behalf, but we’ll offer sound strategies and guidance to help you secure a business loan with competitive terms that suit your needs.Once we submit your finance application , the bank verifies our due diligence and credit paper, confirming the interest rates and loan terms we have requested in the form of an unconditional approval (when any outstanding conditions have been satisfied). Getting started with us is as simple as visiting our contact page or booking an appointment today.

What are the requirements for an investment property loan?

Have you found yourself wondering, ‘what are the requirements for an investment property loan?’ Well, you will generally need to meet the following criteria: A good credit score of at least 620. Proof of income and employment history, such as pay stubs and tax returns. The ability to pay a down payment of at least 20 percent of the property’s purchase price. Cash reserves in the form of several months’ worth of mortgage payments to ensure you can cover the loan if you have a temporary loss of income.

What type of loan is best for an investment property?

Interest-only loans and principal and interest loans are considered the best type of loans for investment property due to their flexible repayment options and tax advantages. Interest-only loans allow investors to maximise their cash flow by only paying interest, while principal and interest loans help build equity over time through regular repayments.

What is capital gains tax?

So, what is capital gains tax? It is a tax levied on the profit earned from the sale of an investment property. It applies to the difference between the sale price and the property’s original purchase price and can significantly impact an investor’s return on investment.

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Navigating the realm of investment property can be intricate, but with the right financial solutions, your dreams of owning an investment property can become a reality. Key Choice Lending is here to demystify the process, offering a bespoke approach tailored to your unique investment aspirations.

Unlock the Potential of Real Estate Investing Pondering an investment in real estate?

At Key Choice Lending, we make it seamless to finance your property dreams. Investment property loans aren’t just a financial product; they’re a pivotal tool to drive income, leverage tax benefits, and foster long-term wealth accumulation. Our seasoned loan experts navigate the maze so you don’t have to, aligning you with optimum loan products tailored to your vision.

The Anatomy of an Investment Property Loan Dive deeper into the world of investment lending:

Interest-Only Loans: Optimized for those seeking amplified cash flow in the early years of property ownership.
Principal & Interest Loans: Ideal for investors poised to build property equity with an eye on long-term gains.

Your Queries, Our Answers:

The Route to Your Investment Property Loan: Begin your journey with Key Choice Lending. We negotiate, strategize, and guide, ensuring your investment path is paved with clarity and competitive terms.
Investment Property Loan Prerequisites: From credit scores to cash reserves, understand the essential criteria to be an eligible contender.
Choosing the Right Loan: Whether it’s the flexibility of interest-only loans or the equity build-up of principal and interest loans, discover what resonates with your goals.
Deciphering Capital Gains Tax: It’s vital to grasp this tax impacting the profit from your property’s sale.

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To dive deep into your options and chart out the best course, please book a meeting in the format and time convenient for you. Whether it’s virtual, phone, or in-person at one of our offices, we’re here to assist.

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Every financial journey is unique, and yours deserves our tailored approach. Let’s start the conversation.

Unlocking doors through Investment Lending

Unlock the Potential of Real Estate Investing Pondering an investment in real estate?

The Anatomy of an Investment Property Loan Dive deeper into the world of investment lending:

Your Queries, Our Answers:

Flexible Meeting Options

Get started building your brighter financial future!