Investment Loans
We have access to hundreds of investment loan options, let us help you with your investment loan
Rated 5 from 219 Reviews
We have access to hundreds of investment loan options, let us help you with your investment loan
Rated 5 from 219 Reviews
Investing in property is a significant financial decision. At Derry & Co., we specialise in helping clients from Perth, Western Australia, and across the nation to access investment loan options from banks and lenders throughout Australia. Whether you're considering buying your first investment property or expanding your investment property portfolio, understanding the intricacies of investment loans can make all the difference. We are here to guide you through the maze of interest rates, lenders mortgage insurance (LMI), and other critical factors, ensuring you make informed decisions tailored to your financial situation.
When applying for an investment loan, several factors come into play. One of the primary considerations is the interest rate. Investment loans can come with either a fixed interest rate or a variable interest rate, each with its advantages. A fixed interest rate offers stability in your repayments, making it easier to plan your finances. On the other hand, a variable interest rate might provide more flexibility, potentially benefiting from interest rate discounts if market conditions are favourable. At Derry & Co., we help you weigh these options based on your financial goals and the current property market trends.
Another crucial aspect involves understanding your borrowing capacity and how it influences the loan amount you can secure. Your credit history is a pivotal component in this assessment. A strong credit history can enhance your borrowing capacity and may lead to more favourable terms, such as lower interest rates or reduced LMI. We recommend clients regularly review their credit report to ensure it accurately reflects their financial behaviour. By doing so, you can strengthen your investment loan application and increase your chances of approval.
The loan to value ratio (LVR) is also a fundamental element when considering an investment loan. LVR determines how much you can borrow in relation to the property's value. A lower LVR often translates to better interest rates and may reduce or even eliminate the need for LMI. Our team at Derry & Co. can assist you in calculating your investment loan repayments and optimising your LVR to suit your investment strategy. Additionally, factors such as stamp duty and other buying costs need consideration when planning your investment.
Navigating the application process for an investment loan can be complex. At Derry & Co., we offer a streamlined application process designed to minimise stress and maximise efficiency. Gathering essential documents like bank statements and proof of income is just the beginning. Our experienced brokers guide you through each step, ensuring that every detail of your investment loan application is meticulously handled. Our goal is to secure the most suitable investment loan options that align with your aspirations, whether you're entering the property market for the first time or enhancing an existing portfolio.
Investing in property is an exciting journey, and choosing the right financial partner is crucial. At Derry & Co., we are committed to supporting you every step of the way, providing personalised advice and access to competitive investment loan options from banks and lenders across Australia. Understanding the dynamics of interest rates, LMI, and other influencing factors can empower you to make savvy investment decisions. Contact us today to discuss how we can assist you in achieving your property investment goals with confidence and clarity.
In 60 seconds, understand how much you can borrow to buy your dream home.
Get your Borrowing Capacity
Initial Consult
Have a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps.
Fact Find
We'll work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a loan.
Pre Approval
Once you're approved, you can start bidding or making offers on properties you want to purchase.
Settlement
You settle on the property, your loan draws-down and you're good to go!
Book AppointmentKP
Kevin P.
I can’t thank Derry and his team enough for their efforts with my house purchases. If I could give them 10 stars I would. Whether it’s residential or investment property, their service is always top notch. They are very knowledgeable, efficient, and friendly. Derry listens to your situation and he makes sure that every settlement goes through. On top of that, they also follow up and check on you after settlement to make sure everything is going well. I highly recommend them to anyone who’s planning to buy a house or investment property. I will always come back and consult with them on my future purchases. Thank you very much Derry and to your wonderful team!
JC
Joel Cook
Derry and his team were incredible to work with. From start to finish, they were super knowledgeable, approachable and they were always one step ahead. The entire process was smooth and pain free. No question or concern was ever too much hassle. They continually went above and beyond to make the process as stress free as possible.
NH
Nasirul Haque
Derry was absolutely fantastic to work with. We met in person at his Victoria Park, WA office and went through the whole process. He was incredibly patient, efficient, knowledgeable, and proactive throughout the entire process. What really impressed me was how he managed to get my loan approved in just 3 days—well ahead of the expected timeline. Highly recommend Derry to anyone looking for a top-tier mortgage broker!
Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.
Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.
We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.
All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.
We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.
We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.
Derry & Co ABN: 69 605 263 287, Derry Tanzil Family Pty Ltd ABN: 69 605 263 287. Credit Representative #477680 is authorised under Australian Credit License #389 087.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
Site by Broker Studio