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Melbourne Mortgage Broker
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Home Loans for Investing

For customers looking to buy an investment home in Melbourne, there are home loan options to choose from that can make the investment easy and rewarding.

Investment properties can be a great source of financial security, and people choose to invest in property for many reasons. It may be to have a regular and steady income stream, to take advantage of tax benefits, or simply just that other investment options are not as attractive.

Whatever your reasons, it can be simple to get great advice and support for your investment by talking to Your Local Melbourne Mortgage Broker.  Investing in property should be considered as a long-term investment, and because prices rise and fall over time, it is important to stay in touch with your financial advisor and make sure your investment gives you the benefits you want and need.

Interest Rates keep falling.

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Home Loans for Investment
Choosing a repayment option can seem daunting, but we can simplify the process for you by talking you through the pros and cons of each loan type.  Here are the main ones to consider:

•    Variable Rate - Principle and Interest
Variable rate home loans are a good option for your investment property as long as it is a residential property.  You will be required to make the minimum repayments set each month, for an agreed term which is usually 30 years.  Variable home loans offer you the flexibility to make extra repayments and withdraw at a later stage.

•    Variable Rate - Interest Only
Interest only home loans are becoming increasingly popular.  This home loan works by allowing you to only pay the interest each month.  This means monthly repayments are lower which is attractive to some home buyers.  The interest only payments lapse after a set period of time - usually up to five years -  and your loan will convert to a normal principal and interest loan for the remainder of the loan term.  Extra repayments and redraw facilities are not usually a feature on this type of loan.

•    Line of Credit
Line of Credit loans allow you to draw money against the equity in your property.  Usually you use a credit card or cheque.  Many people use this to purchase a second property as an investment.  A limit will be set as to how much you can  withdraw and usually repayments can be flexible.  Many borrowers find this type of loan attractive as you only pay interest on the funds you’re using (not the total limit of your facility).

For all potential property investors looking at buying within the next few months, it pays to call Your Local Melbourne Mortgage Broker and get the assistance and support you need to make the process as easy as possible.  Call us on

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