Build Wealth with Expert Investment Loan Guidance

Investing in property is a smart way to grow wealth and plan for retirement. A professional mortgage broker makes securing investment property loans simple and stress-free.

✔ Expert guidance whenever you need personalised financial advice 🔍

✔ Comprehensive property valuation  and property report to support smart investment decisions 📊

✔ Tailored private consulting to suit your unique financial situation 🤝

✔ Compare competitive investment loan rates, mortgage rates, peer to peer lending and property financing options across multiple lenders 🏦

✔ Access trusted investment property lenders and mortgage specialists for your investment goals 📈

Partnering with a trusted mortgage broker ensures you get expert advice, access to the right mortgage loan pre approval, and confidence throughout your property investment journey.

Book a strategy session

Your Investment Loan Journey in Four Easy Steps

Assess Your Investment Goals

Start by understanding your financial objectives and the type of property you want to invest in. Our experts help you explore investment loans, investment property loans, and compare investment property interest rates to find the best fit.

Compare Loan Options

We analyse investment home loan rates and investment mortgage rates across multiple lenders to ensure you get a competitive deal.

Secure the Right Investment Loan

Once you’ve chosen the best option, we guide you through the application process for your investment home loan or investment property loan, ensuring a smooth approval experience.

Access Trusted Lenders

Gain exclusive access to our network of investment property lenders and investment mortgage specialists, giving you confidence in your property investment journey.

Be Investment Loan Ready with Expert Guidance

Investment properties are selling quickly in today’s competitive market. At Credific Finance, we ensure you are fully prepared by providing expert guidance on financial readiness, securing the right lender, and getting pre-approval for your investment property.

Claim your free property report

✔ Get property worth estimate and property value estimate through a free property report, so you can make informed decisions. 

✔ Assess your financial stability to confidently secure an investment property.

✔ Find the right lender to streamline your investment property loan process.

✔ Access professional mortgage broker advice before committing to any property investment.

Apply for Investment Loan Pre approval

5 Simple Steps to Secure Your Investment Property Loan

Investing in property can be a powerful way to grow your wealth, but securing the right investment loan is essential. Follow these five steps to make the process smooth, fast, and stress-free.

Before applying for an investment property loan, evaluate your financial situation. Lenders will consider your income, expenses, existing debts, and credit history. Being financially prepared improves your chances of pre-approval for investment property financing.

Understanding how much you can borrow helps you narrow down suitable investment properties. Use tools like online calculators or speak to a mortgage broker to get an accurate property finance estimate.

Different lenders offer various investment loan options. Compare interest rates, loan features, and repayment flexibility. Choosing the right lender ensures a smoother application process and maximizes your investment returns.

Getting pre-approval for an investment property loan shows sellers you are serious and financially capable. Pre-approval allows you to act quickly in a competitive property market and helps you focus on properties within your budget.

Once you’ve found your ideal property, submit the full loan application. Your lender will assess the property, verify your finances, and finalize the loan. After approval, you can proceed to settlement and property purchase, turning your investment plans into reality.

Home Loan Refinancing

Frequently Asked Questions About Investment Loans

When purchasing an investment property, there are several fees and costs to consider:

  1. Stamp Duty – A government tax applied when buying property, which varies by state and property value.

  2. Loan Application or Establishment Fees – Charged by lenders for setting up your investment property loan.

  3. Valuation Fees – Fees for a professional property valuation, often required by lenders.

  4. Legal or Conveyancing Fees – Costs for property transfers, contracts, and legal advice.

  5. Lender’s Mortgage Insurance (LMI) – Applicable if your deposit is less than 20% of the property value.

  6. Ongoing Loan Fees – Monthly or annual fees charged by your lender.

  7. Property Management Fees – If you hire a property manager, typically a percentage of rental income.

  8. Maintenance and Repairs – Regular upkeep and unexpected repairs for your property.

  9. Council and Strata Fees – Applicable for certain types of properties, such as apartments.

A professional mortgage broker can help you understand all these costs upfront and ensure your investment property loan aligns with your financial goals.

Negative gearing happens when the annual expenses of owning an investment property — such as interest payments, strata fees, maintenance costs, and other related expenses — exceed the rental income generated. This resulting financial loss can usually be used to reduce your taxable income, making it a valuable strategy for property investors looking to optimise their tax position in Australia.

An interest-only home loan allows borrowers to pay only the interest for a set period, without reducing the principal balance. This type of loan can be beneficial for property investors or those looking to manage cash flow, but it often comes with higher overall costs compared to standard principal and interest loans. Unsure if an interest-only loan is right for you? Consult a trusted mortgage broker or financial advisor to find the best solution for your needs.

Landlord insurance protects your rental property against damages, theft, and losses caused by tenants, as well as weather-related incidents like flooding or fire. It also covers loss of rental income if tenants default on payments and provides liability protection if someone is injured on your property. For property investors, having comprehensive landlord insurance is essential to safeguard your investment and ensure peace of mind.

An investment loan is a mortgage taken out to purchase a property for rental income or capital growth, rather than your primary residence.

Most borrowers who meet the lender’s income, credit, and deposit requirements can apply, including first-time investors and experienced property buyers.

Investment loans may offer tax deductions, including interest payments, maintenance costs, and other property-related expenses. Consult a financial advisor for personalised advice.

A professional mortgage broker can compare lenders, find competitive rates, and guide you through the investment loan application process, saving you time and money.

Yes. Interest-only loans are popular among property investors for cash flow management, but they usually come with higher overall costs.

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