Investment Loans

Ready to expand your wealth through property? Investment property loans are a powerful tool for building your portfolio and securing your financial future.

Investment property loans, grow your portfolio

Building a property portfolio is one of the most effective ways to create long-term wealth and generate passive income. However, investment property loans differ significantly from owner-occupier mortgages, requiring a strategic approach to secure the best financial outcomes.

At Ferns Finance, we're your dedicated partner in navigating the investment property market across Beenleigh, Logan, Scenic Rim, and the Gold Coast. We provide tailored advice and solutions for a range of investor needs:

  • First-Time Investors: Taking the leap into your first investment property can be daunting. We'll simplify the process, explaining everything from deposit requirements to rental yield considerations and negative gearing, ensuring you start on solid ground.
  • Portfolio Expansion: For seasoned investors, we focus on optimising your existing portfolio and structuring new loans to maximise borrowing capacity and returns. We can help you strategically use equity to acquire additional properties.
  • Understanding Loan Structures: From interest-only loans that can boost cash flow to principal and interest options, we'll help you understand the pros and cons of various loan features and determine what best suits your investment strategy and risk profile.
  • Navigating Market Conditions: Our knowledge of the local property markets in the local area allows us to provide insights that complement your finance strategy.

Ready to make your next smart investment move? Talk to us today.

Igniting Your Investment Plan

Whether this is your first investment or you're a seasoned pro, let's familiarise you with the ins and outs of investment borrowing, made easy.

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1

Your Investment Kick-Off!

‍Your next investment adventure starts with a quick, one-minute chat! We'll ask a few simple questions to understand your goals. After that, we'll meet up (in person or online) to discuss how we can help you achieve them.

2

The Lender Hunt: Finding Your Perfect Match

‍To find the best lenders for your investment, we'll discuss your options and potential borrowing power. Good news – an existing property can often be used as equity, meaning you might not need as much deposit as you first thought!

3

Down to Business: Making It Official

‍Found a lender that feels right? Fantastic! Now, let us handle the paperwork. We'll expertly package and lodge all your documents, ensuring everything is just right for your investment loan application.

4

The Green Light: Your Borrowing Power Revealed

‍Once you're pre-approved, your true borrowing power for investment will be revealed! This exciting step means you can confidently start making offers on your next investment property.

5

The "Hard Yards" (Made Easy by Us!)

‍You've made your move and secured an investment property – amazing! All that's left is the paperwork, which you can leave entirely to us. We'll work overtime to ensure your property is accepted by the bank, and then a settlement date will be locked in.

6

It Doesn't Get Bigger Than This: Settlement Day!

‍It's settlement time – your big moment! We'll coordinate closely with your solicitor or conveyancer and the lender, all in line with the date on the contract. Once settlement takes place, it's time to pop the champagne because you've officially won the property investment game!

Explore your loan options & their features.

There are a number of loan types available to you; variable rates, fixed rates, packaged loans and more, scroll through some of the options below to get a better understanding of what the differences are. We’re here to answer your questions when you’re ready.

Variable rate loan

As the name suggests, the interest rate can change over the life of the loan. This gives you flexibility, but can also leave you open to rate rises. These loans offer more flexible features like unlimited additional repayments, redraw, and offset accounts.

Fixed rate loan

Basically, this is the opposite of a variable rate loan. Your interest rate and repayments will stay the same during the fixed term, no matter what. So no surprises.

Split Loan

You’re able to fix part of your loan, while leaving the rest variable.

Packaged Loan

Professional packages offer discounts on standard variable and fixed rates, the waiving of fees, and in some cases, great deals on other products from the same lender. A packaged loan usually comes with one annual fee for the bundled products.

Introductory Rate Loan

Also known as ‘honeymoon’ loans, these offer a low interest rate for a short period (eg. a year), after which the rate moves to the standard variable rate.

Interest Only Loans

As the name suggests, you only pay the interest on the principal balance for a set term, with the principal balance unchanged.

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Helpful calculators.

Explore your financial possibilities and understand potential costs with these handy calculators.

Borrowing Calculator

Use the calculator to find out how much you could borrow.

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Commercial Property Yield/ROI Calculator

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Interest-Only Mortgage Calculator | Compare Payments & True Cost

Calculate your interest-only loan payments, compare them to a P&I loan, and see the total extra cost. Avoid payment shock with our comprehensive calculator.

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Stamp Duty Calculator

Find out how much budget you need to set aside to cover Stamp Duty costs and what the requirements are in your state or territory.

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Frequently asked questions.

View our full FAQs
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What documents do I need for a finance broker?

When working with a finance broker, you'll typically need to provide several documents, including:

  • Proof of Identity: A government-issued ID, such as a passport or driver's license.
  • Income Verification: Recent pay stubs or tax returns to demonstrate your financial stability.
  • Credit History: Brokers may request your credit report to assess your borrowing eligibility.

Having these documents ready can streamline the process and help your broker find suitable options for you.

What government grants are available for first-home buyers in Queensland?

As of now, eligible first-home buyers in QLD can access the First Home Owner Grant and possibly stamp duty concessions. We’ll check your eligibility and help with the paperwork.

What if the property I want is on a septic tank or rainwater system?

That’s common in semi-rural areas. Some lenders ask for extra inspections or insurance, but we know who’s flexible with these property types.

What is a finance broker?

A finance broker is a professional who acts as an intermediary between clients and lenders. They help individuals and businesses secure loans, mortgages, and other financial products. By leveraging their knowledge of the market, finance brokers can find the best deals tailored to their clients' needs.

Finance brokers are particularly useful for those who may not have the time or expertise to navigate the complex world of finance on their own. They provide valuable insights and guidance throughout the borrowing process.

What is the process of working with a finance broker?

The process of working with a finance broker typically involves the following steps:

  1. Initial Consultation: Discuss your financial needs and goals with the broker.
  2. Document Submission: Provide necessary documents for assessment.
  3. Loan Options: The broker will present suitable loan options based on your profile.
  4. Application Process: The broker will assist you in completing the application and submitting it to the lender.

This structured approach ensures that you receive personalised service throughout the borrowing process.

What should I ask my finance broker?

When meeting with a finance broker, consider asking the following questions:

  • What lenders do you work with? Understanding their network can help you gauge your options.
  • What fees do you charge? Clarifying costs upfront can prevent misunderstandings.
  • How will you communicate with me? Establishing communication preferences can enhance your experience.

Asking the right questions can lead to a more productive relationship with your broker.

Talk to us today about your options.

Talk to us today about your options. Whether you're in Beenleigh, Logan, Scenic Rim, or on the Gold Coast, Gwen @ Ferns Finance is ready to provide expert, straightforward advice.

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