Low rate loans for investment property

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It’s no secret that real estate investments are one of the best ways to create financial freedom. Investment property offers potential long-term rewards such as a consistent income stream, a diverse and secure portfolio and an increase in equity. Investment homes may be a significant financial commitment, but wise and early investments set you on the right path to wealth accumulation, and ultimately, your financial freedom. If you are considering buying an investment home, our mortgage brokers can help you secure the best investment home loan rates in Australia. Rateseeker has access to products from Australia’s biggest banks and lenders, and our mortgage specialists are committed to finding you the right loan for your budget, goals and risk tolerance. We remove the guesswork and stress out of applying for a home loan in your preferred area, and give expert advice to increase your chance of securing the best investment home loan rate. We do the research, compare rates, and do all the hard work so you don’t have to.

By owning investment homes such as rentals, you can enjoy tremendous tax benefits and generate enough passive income to cover your mortgage payments and running expenses. Moreover, real estate assets are tangible and the market is more resilient compared to more volatile investments such as stocks and bonds. Your investment home’s benefits, challenges and affordability will vary depending on the location you are considering. Plus with mortgage rates constantly changing, it’s more than wise to work with an professional mortgage broker from Rateseeker who can give expert advice when it’s the best time to apply for a loan. With the interest rates at the lowest they have ever been, it’s a good time to talk with Rateseeker to find out how much you can afford, compare investment home loan rates and get pre-approved faster. Connect with one of our mortgage experts today for a complimentary, obligation-free consultation today, and we’ll get back to you within 24 hours.

Why buy an investment property?

Generate Passive Income

Maximise cash flow, and work towards becoming financially free.

Build up equity over time

As your home increases in value and your loan size decreases, you’ll have more equity to invest.

Use as primary residence

Have the ability in the future to use your investment property as your primary residence.

Secure a financial plan

Build a solid portfolio, reduce risk and move towards being financially free.

3 Simple Steps

  1. Loan and property details
  2. See your position
  3. Compare rates
  4. Chat with us to see what suits your unique situation
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Seeking the best rates for you

Rateseeker has access to all of Australia’s major banks and over 30 third-party lenders. Everyone has a unique situation and we’re here to help find the right home loan and interest rate to suit you.

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FAQs about Investment Home Loan

  • What you need to consider when buying a property?

    Applying for the First Home Owner Grant should be done at the same time as applying for your home loan. Our affiliated brokers will help with the application. You can also request an application from the office of state revenue directly.
  • How much will I need for a deposit?

    Most lenders will usually require you to have a minimum 5% deposit of the purchase price plus a little extra to cover other costs such as stamp duty, legal fees and lender's fees. Now lenders have changed the required minimum deposit depending on other factors such as if it's an investment purchase and where the property is located. With constant changes with bank requirements, it is important to speak to a broker to work out what you really need.
  • What costs and fees are involved with buying a property for investment purposes?

    There are fees associated with purchasing a property that you will need to make room in your budget for.
  • Does Rateseeker help with investments home loans?

    We sure do! Rateseeker has many major banks & non bank lenders to choose from to help achieve your property investment goals. Fill out our form and one of our affiliated brokers will get in touch with you to to work out how they can help.
  • What is a Contract For Sale?

    The contract of sale is a legally binding document that you sign by you and the vendor (seller). This contract sets out the terms and conditions of the sale, as agreed to by you and the vendor. While the contract of sale becomes a legally binding document the moment you sign it, there may be a cooling-off period during which you can cancel the sale if you bought the property by private sale. This is generally negotiated before you sign the contract of sale. The cooling-off period does not apply to auctions.
  • What is a loan comparison rate?

    Applying for the First Home Owner Grant should be done at the same time as applying for your home loan. Our affiliated brokers will help with the application. You can also request an application from the office of state revenue directly.
  • What Is The First Home Owners Grant?

    The first home owners grant is a government grant developed to assist eligible first home owners to purchase a new home or build their home by offering a grant.
  • How Do I Apply For The First Home Owners Grant?

    Applying for the First Home Owner Grant should be done at the same time as applying for your home loan. Our affiliated brokers will help with the application. You can also request an application from the office of state revenue directly.
  • How much is this First Home Owner Grant?

    Each state has different rules and pays different grant amounts. The grant can vary from $5,000 in some states to $20,000 in others. In NSW, first home buyers purchasing a brand new first home will receive $10,000 first home owners grant up to a cost price of $750,000. States now require the property you purchase to be "brand new" to qualify for the first home owners grant.
  • If my partner & I are both eligible for the first home owners grant, do we get it twice?

    No. When putting through an application, only one person in the application can be granted the FHOG. You also must make sure your partner hasn’t previously used or received the grant in Australia, as it may be denied.
  • Can I Still get a home loan with a poor credit history?

    Eligibility for a home loan depends on many things, which includes your credit score. Your credit score is calculated by an assessment of how risky or trustworthy you are to possible lenders in regards to paying your loan back. Everyone's situation is different, and there are some lenders that will consider poor credit rating, defaults and even discharged bankrupt. Reach out to us if your credit history is of concern to you regarding a new home loan.
  • When does settlement take place after I put a deposit down?

    The settlement date is usually listed on the contract of sale and this period varies by state and territory. This is important because there are different penalties if you do not settled by the agreed date, so make sure you check this before exchanging contracts. When the agreed settlement date arrives, you can pick up the keys to your new place!

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