Frequently asked questions

Mortgages

Property investment

Property acquisition

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Home Equities

How can a mortgage broker help property investors?

A broker helps investors secure financing by finding lenders that offer competitive rates and loan structures suited for investment properties. They also assist with complex borrowing strategies like portfolio loans and refinancing.

What loan options are best for property investors?

Investment loans include interest-only loans, fixed or variable rate loans, offset accounts, and line-of-credit loans. A broker can recommend the best option based on your goals and financial situation.

Can I get a loan for multiple investment properties?

Yes, but lenders have different policies on how they assess multiple loans. A broker can structure your financing to maximize borrowing capacity and avoid lender restrictions.

How does borrowing for an investment property differ from a home loan?

Investment property loans may have stricter lending criteria, higher interest rates, and require larger deposits. However, brokers can help investors access favourable terms.

Can a mortgage broker help me grow my property portfolio?

Absolutely! Brokers can structure your loans strategically to maximize equity, leverage, and cash flow, helping you acquire more properties over time.

Is it harder to get a loan for an investment property?

It depends on your financial situation, loan-to-value ratio (LVR), and the lender’s criteria. Brokers can help find lenders that are investor-friendly and offer flexible lending options.

What are the key factors lenders consider for investment loans?

Lenders assess your income, credit score, existing debts, rental income, and overall financial position when approving an investment loan.

Can a mortgage broker help me refinance my investment property?

Yes! A broker can help refinance to lower interest rates, access equity for future investments, or restructure loans for better cash flow management.

Do I need a large deposit for an investment loan?

Most lenders require a 10-20% deposit, but options like using existing home equity can help investors secure loans with lower upfront cash requirements.

How do I ensure my investment loan is tax-efficient?

A broker can guide you on structuring loans to maximize tax benefits, such as interest deductions. However, consulting a tax professional is also recommended.

What is the best type of property to invest in?

This varies based on market conditions, location, and investor goals, but common types include residential, commercial, and multi-family properties. Investors often seek properties with growth potential or stable rental income.

How do I finance my property investment?

Most investors use mortgages or loans to finance property investments. You can also explore other options like using equity from existing properties, saving, or seeking private lending, depending on your financial situation.

What is a good location for property investment?

Location is key to property investment success. Factors like proximity to schools, transportation, businesses, amenities, and potential for urban development all play a role in the future value of a property.

How do I determine the value of a property?

Valuing a property involves looking at comparable sales (comps), market trends, potential rental income, and the condition of the property. You may also consider hiring an appraiser or real estate agent.

How much money do I need to start investing in property?

The amount depends on the property price, the financing method (e.g., down payment, loan requirements), and additional costs like closing fees, maintenance, and taxes. Some investors start with as little as 10-20% down, while others may need more depending on the market.

What are the risks of property investment?

Risks include market fluctuations, interest rate changes, tenant issues, maintenance costs, and the potential for property values to decrease. It's crucial to evaluate the risks and have a solid plan in place.

How can I make money from property investment?

Investors typically make money through rental income, property appreciation, or both. Some also engage in "flipping," where they buy properties, renovate them, and sell them for a profit.

How do I find good investment properties?

Good investment properties can be found through real estate agents, online property platforms, auctions, networking, and direct outreach to sellers. Building relationships with local experts can help find off-market opportunities.

What are the tax implications of property investment?

Taxes on rental income, capital gains tax when selling a property, and other costs like depreciation and deductions must be considered. Tax laws vary by country, so it's advisable to consult with a tax professional or accountant.

Should I invest in property directly or through a REIT (Real Estate Investment Trust)?

Direct property investment gives more control and potential for higher returns but requires more time, effort, and management. A REIT allows for indirect investment, offering exposure to real estate markets without direct property ownership, but with different risks and returns.

What is a buyer’s agent?

A buyer's agent is a licensed real estate professional who represents the buyer in a property transaction. They assist in finding, negotiating, and purchasing properties that meet the buyer’s needs and preferences.

How is a buyer's agent different from a seller’s agent?

A seller’s agent works for the property seller, while a buyer’s agent represents the interests of the buyer. The seller's agent focuses on getting the highest price for the property, while the buyer’s agent focuses on finding the best deal for the buyer.

Do I need a buyer’s agent if I’m a first-time homebuyer?

Yes! A buyer’s agent can be particularly helpful for first-time buyers by providing guidance, helping you understand the process, and ensuring you make informed decisions.

How do I choose a good buyer’s agent?

Look for an agent with experience, a good reputation, and strong local market knowledge. It's also important to check for proper licensing and certifications. Reading reviews and asking for referrals can also help you find the right agent for your needs.

What services does a buyer’s agent provide?

A buyer’s agent assists with finding suitableproperties, conducting market research, attending inspections, negotiatingprices and terms, advising on offers, managing paperwork, and guiding the buyerthrough the entire purchasing process.

Can a buyer’s agent help me find off-market properties?

Yes! Many buyer’s agents have access to off-market properties, which are not listed publicly. This can give buyers a competitive edge by allowing them to purchase homes before they’re widely available.

How does a buyer’s agent help with the negotiation process?

A buyer’s agent uses market knowledge and negotiation experience to help you secure a property at the best possible price and under favourable terms. They may also know when to make an offer and how to handle counteroffers.

Can a buyer’s agent assist with financing and mortgage options?

Yes! While buyer’s agents are not typically mortgage brokers, many have relationships with lenders and can help you find a suitable mortgage option. They can also provide advice on budgeting and what you can afford.

What is the difference between a buyer's agent and a buyer’s advocate?

A buyer’s agent and a buyer’s advocate are often used interchangeably, but a buyer’s advocate typically offers more personalized and exclusive services, often focusing on high-end or investment properties. Some advocates may also handle only a limited number of clients at a time.

Do buyer’s agents work with investors or just homebuyers?

Buyer’s agents can work with both investors and homebuyers. They often have specific knowledge and strategies for working with property investors, such as identifying potential rental properties or helping with portfolio management.

How much deposit do I need for an investment property in Australia?

Most lenders require a 20% deposit to avoid paying Lenders Mortgage Insurance (LMI). However, some lenders may allow you to invest with as little as 10% or even 5% if you pay LMI.

What loan options are available for property investors?

Investment loans can be principal and interest (P&I) or interest-only (IO). Interest-only loans can reduce short-term expenses, but P&I loans help pay down the loan faster.

Can I use equity from my existing home to invest?

Yes! Many investors use the equity in their home as a deposit for an investment property. Lenders generally allow borrowing up to 80% of your property's value.

What is negative gearing, and how does it work?

Negative gearing occurs when rental income is less than loan repayments and property expenses. The loss can be deducted from your taxable income, reducing your tax liability.

How do interest rates affect property investment finance?

Higher interest rates increase mortgage repayments, potentially affecting cash flow. Investors should factor in rate rises when assessing affordability.

What additional costs should I budget for when investing?

Costs include stamp duty, legal fees, property management fees, council rates, insurance, and maintenance costs. These can significantly impact your return on investment.

How does an investment property affect my borrowing capacity?

Lenders assess your total income, rental income, living expenses, and debts. Some may only consider 70-80% of rental income when calculating your borrowing power.

What is a loan-to-value ratio (LVR), and why does it matter?

LVR is the loan amount divided by the property value. A lower LVR (e.g., 80% or below) reduces risk for lenders and helps you avoid LMI costs.

Should I get a fixed or variable interest rate for my investment loan?

Fixed rates offer stability but limit flexibility, while variable rates may offer lower initial costs but can fluctuate. Some investors choose split loans (part fixed, part variable).

What tax benefits are available for property investors in Australia?

Investors can claim depreciation, interest on loans, property management fees, and maintenance costs as tax deductions. A tax accountant can help maximize deductions.

What core values drive your company?

Our values are the foundation of everything we do. We focus on empowerment, trust, and dedication to create lasting impact for our clients, partners, and team.

What makes your approach to property investment unique?

We provide customized strategies based on your financial goals, ensuring every step is clear and actionable. Our expertise helps you make informed decisions with confidence.

What does your Bronze service include?

Our Bronze service is our mortgage broking service and includes:

  • Speedy affordability assessment.
  • Streamlined pre-approval process.
  • Access to an extensive range of lenders and loan products.
  • A loan tailored to your goals and circumstances.

How does your Bronze service help me avoid unnecessary costs?

We guide you through competitive loan options, ensuring you don’t overpay on rates or fees while securing a mortgage that aligns with your financial goals.

What does your Silver service include?

Our Silver service is our property investment strategy service. It includes all the benefits of our Bronze service, plus:

  • Increased property investment knowledge.
  • A comprehensive understanding of your pre-purchase financial position and potential.
  • A clear strategy and actionable plan to set and achieve your property investment and broader financial goals.
  • An expert in your corner to monitor and maximize your success.

How does your Silver service help me stay on track with my investments?

We provide a structured plan, ongoing expert support, and financial insights to ensure you’re making the right decisions and optimizing your investment outcomes.

What does your Gold property acquisition service include?

Our Gold service is our investment property acquisition service. It includes all the benefits of our Silver service, plus:

  • A significant amount of time and effort saved in finding and acquiring the right property.
  • Confidence that you’ve secured the best possible property through extensive research and negotiation.
  • Peace of mind knowing that all  purchasing requirements – such as  inspections and reports – are being overseen.
  • The option to save even more time and stress post-purchase by using our network of leasing agents and accountants.

How does your Gold service help me?

Our service saves you time, effort, and stress by providing expert support in finding and acquiring the right properties at the best price. We ensure all inspections, reports, and requirements are met while also helping you avoid the hassle of sourcing additional services.

What is the process for working with Home Equities?

We’ve designed a simple, structured approach to help you achieve your property investment goals. Our process ensures clarity, expert guidance, and a seamless journey toward financial freedom.

What happens in the first step, "Getting to know each other"?

We start with a relaxed 30-minute chat—either in person or online—where we explore your goals and investment possibilities. This is a no-pressure conversation to understand where you are and where you’d like to go.

What is involved in the "Deep-Dive Discovery" session?

Once we agree to move forward, we take a deeper look into your financial situation. We discuss tax strategies, reducing bad debt, maximizing good debt, and how property investment can help build your financial future.

How do you create my financial blueprint?

We take a structured approach, providing you with a checklist to gather key financial information. In a focused 60-minute session, we analyse your current and future expenses to build a clear picture of your financial standing. This lays the foundation for a smart, tailored investment strategy.

What is included in the "Building Your Investment Strategy" phase?

We present a personalized property investment strategy covering:

  • Your financial position and expenses.
  • Future growth projections.
  • Property purchase planning.
  • Rental return expectations.
  • Cash flow impact.
  • Detailed property and suburb analysis.

How do you help with making the investment happen?

We can manage the entire property acquisition process for you. As your personal buying agent, we handle price negotiations, inspections, paperwork, loan securing, and connect you with trusted professionals, making everything seamless and stress-free.

How do you assist in finding the right loan?

Whether you find the property, or we do, we secure the best loan for you. With access to a wide range of lenders, we match you with the ideal financing solution that fits your needs and investment goals.

How do I manage risk in property investment?

Risk can be managed by diversifying your investment portfolio, researching the property market, selecting high-demand locations, and maintaining a financial buffer for unexpected costs.

What should I look for when choosing an investment property?

Consider factors like location (growth potential), rental yield, property condition, demand for rental properties, and long-term development plans in the area. Do thorough research and consult experts.

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