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With a booming property market and growing population, investing in real estate can be a lucrative venture. The right property can generate ongoing income and in the long term, wise investments can provide significant profit when the property value increases.

A property investment strategy should be backed by a financial product that suits your investment goals and needs. Whether you are looking to purchase your first investment property or adding to your established investment portfolio, Mortgage House have a product for you.

Types of Investor Home Loans

Variable Home Loans

Fixed Home Loans

Split Home Loans

Interest Only Loans

While no one can tell you with 100% certainty that a property will be a profitable investment, there are a few clues that successful investors look for:

  • Areas experiencing gentrification at an early stage
  • Increase of property prices in suburbs surrounding ‘newly-hip’ places
  • Limited housing stock in high-demand areas
  • Rise of rental rates rising in the areas
  • A city is making infrastructure improvements and investments


Mortgage House Loan Specialists can help you take an objective look at any investment property you might be interested in. We can help you evaluate a property’s profitability and then provide lending solutions to fit your needs.

Sellers of an investment property will require you to be pre-approved before considering your offer. We will guide you through the process and help determine which documents you’ll need to submit with your loan application.

Any lender will do a credit check when reviewing your loan application. It pays to be aware of:

  • The credit application you’ve made
  • If any applications have been denied
  • The amount of credit you currently are using versus what the limit is
  • If you’ve defaulted on any loans

You’ll also need to document the expected income from your investment property, the operating expenses, taxes and maintenance set-asides. Once you’re pre-approved, you’ll be ready to make an offer.

Whom you make your offer to depends on whether you are buying from a private seller or buying at an auction. It is important to be aware of the difference. In either situation, you should consult with your solicitor or conveyancer before submitting your offer.

In private sale, you’ll have more flexibility to negotiate the terms and leave yourself an exit strategy should an inspection turn up some expensive problems. You’ll also have more flexibility in obtaining financing.

Auction sales typically require a 10% or more deposit before the sale, the contracts are usually final and don’t provide escape clauses.

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How can I compare investment home loans?

There are many things to think about when you are considering buying an investment property and finding a suitable type of loan. Between looking at your financial situation, studying the market and understanding your property objectives, there can be a lot of information flowing back and forth. It can be very beneficial, then, to know that there is an easy way to compare investment loans. At Mortgage House we offer a range of both fixed rate and variable rate investment home loans that can be suitable for your needs. Each loan comes with its own interest rate, a mixture of features and flexibility, different minimum and maximum loan amount levels, and a range of options and purposes. At Mortgage House we have a mortgage calculator and a comparison tool that can help you compare all our investment loans by all these variables, and more. Our Best Rate Mortgage Calculator will list our investment home loan options by interest rate, and you can compare up to five investment loans at a time here. This resource will lay all the details of each of our investment loans out for you, making it simple to understand everything they have to offer.

What types of investor loans are available?

Flexibility is important when it comes to investment loans, and Mortgage House understands this. That’s why we have a range of different types of home loans available to our customers. We have a number of both variable rate and fixed interest rates mortgage options in our investment portfolio. Variable rate home loans mean the interest rate can increase or decrease over the life of the loan, influenced by a range of both internal and external factors. Variable home loans allow you to pay back your mortgage over a number of years, up to 25 years and even 30. Fixed rate loans mean your interest rate will be fixed for an agreed period, usually between 1 and 5 years. Mortgage House also has a range of split loans for investment purposes.

Split loans allow you to split the loan into both variable and fixed interest rate sections. These are quite popular, as there are no restrictions on the ratio of both. Interest-only home loans are popular among investors. Interest-only loans are available for up to 10 years, with repayments only made up of the interest amount of the loan, not the principal and interest. The aim is that the property you own will increase in value over the life of the loan, enough so you can sell it, pay back the principal amount of the loan and make a profit. Mortgage House has a range of both interest-only and principal and interest home loans for you to choose from.

What is the difference between an owner-occupied loan and an investment loan?

There are two main types of home loans – investment and owner-occupier. Investment loans are for those who are looking to invest in property, mostly residential. Investment loans can be suitable for those buying or building a home to rent, or buying or building a small series of units or townhouses. An owner-occupier home loan is for when you are intending to live in the property you are looking to buy or build. Both investment and owner-occupied loans can have similar features and similar fees and charges. The main difference between the two can be interest rates. The interest rate for an investor home loan can be higher than a comparable owner-occupied mortgage. This can be because of the increased risk an investment loan can carry, and because the government wants to encourage lower owner-occupied interest rates to promote housing affordability. Whether you buy a home to invest or to live in, you will have to pay stamp duty, which is something to consider when you are calculating your loan amount. At Mortgage House we have a range of both investor and owner-occupied home loans that may be suitable for your property objectives.

How can I calculate my borrowing power?

A key part of modern mortgages is the ability to get an indication of how much you may be able to borrow before you apply for a loan. Called ‘borrowing power’ it can help narrow down, or expand, your property search, by giving you an idea of how much a bank or a lender will lend you. Information such as this can be vital when you are looking to invest. Knowing how much you may be able to borrow can help you budget and help paint a clearer profit/loss picture.  All you need to do is fill out the information in our borrowing calculator, including the information about your credit card balances, remembering the results are only an indication and not approval or pre-approval. If the numbers aren’t what you hoped for, contact our expert lenders and we may be able to find another way to help you reach your investment property objectives.

What are the rewards of property investment?

Property is one of those rare investments that can help give you cash flow and profits immediately, and give you even larger profits in the longer term. Whether it’s rental income now, or the possible increase in value of your asset over a number of years, there is little wonder property investment is popular. Even if you make a loss from your rental income that loss can be offset against other income streams come tax time. And owning a home and making repayments can both give you an asset to use as surety for other investments, and improve your credit rating.