Using an investment specialist
As property investors ourselves, we understand the importance of using a mortgage broker who specialises in this area. Even the slightest mistake in loan structure or not choosing the correct investment property loan product or interest rate can cause major setbacks when it comes to building wealth long-term.
The number one problem that most investors face is that they eventually run out of borrowing capacity and are unable to accumulate more properties. Over 90% of property investors in Australia have two investment properties or less, which is a result of banks being unwilling to lend more money after a certain point.
Through smart planning and correctly setting up your finances from the start, this issue can be significantly reduced or avoided completely. This is where our team of experts can help, as we understand what keeps the banks happy and willing to lend you more money to grow your property investment portfolio.
Find Your Perfect Investment Loan Solution
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Why Choose Us
Benefits of Choosing Deltos Finance
Our brokers understand how to efficiently structure investment loans, and maximise your borrowing power, cash flow, and tax benefits.
Power to negotiate
We can negotiate better terms and interest rates on your behalf. We frequently get lenders to waive certain fees and charges, or reduce their advertised interest rates.
Property selection guidance
Choosing the right property at the right time is crucial to long-term investing success.
Choosing the right investment loan
There are thousands of investment property loan products on the market. Knowing which lender and loan product is best suited for your investment portfolio can be challenging. Our team of mortgage brokers will provide you with expert advice that is personalised to your financial situation and long-term investment goals.
There are multiple factors to consider when choosing the right investment home loan, such as:
- Interest rates and fees
- Borrowing capacity
- Cash flow management
- P&I vs Interest only repayments
- Variable rate vs Fixed rate
- Offset account and redraw facility
- Lenders mortgage insurance
- Long-term investment strategy
If you’re looking to maximise low investment property loan rates and purchase a property soon, it’s highly recommended to apply for a pre-approval. A pre-approval is a written confirmation from a bank stating how much money they are willing to lend you.
Pre-approvals for investment property loans help you understand your budget, boost your confidence, and give you power when negotiating a property purchase. We always ensure the process is as fast as possible, so you can start putting in offers on properties sooner.
Accessing Home Equity
Many homeowners don’t realise they can use existing equity within their home as a deposit for an investment property. This is a great option if you don’t have the required cash savings or if you’d like to reserve your cash for another purpose.
Lenders will generally allow you to borrow up to 80% of your property value when accessing equity. For example, if your home is worth $800,000 with a loan balance amount of $500,000, then the available equity you could potentially access would be $140,000. You can use these funds for investing in property & building your wealth.
Our team specialises in investment home loans or equity release loans. We can advise exactly how much equity you can access, and whether you’re able to afford a new investment property and gain enough rental income to meet your financial goals.
Are you a first-time investor?
Check out our helpful first-time property investor guide.
Our brokers will support you through the whole process and answer any questions you might have in relation to property investing—from interest rates to equity release.
We value your customer experience
Creating a positive client experience is our number one priority, and we’re incredibly proud of the kind words we receive from our clients.