Investment Loan Solutions in Melbourne by Brava Finance
Let me help you navigate the investment space so you don’t have to do it on your own.
"Embrace your authenticity, defy outdated norms, and unleash your power. You are free to shape your own destiny and conquer the world on your own terms."
Understanding Investment Loans
Investment property loans in Australia, are designed specifically for purchasing properties intended to generate income or capital growth. Unlike owner-occupier loans, which are for homes you live in, investment loans come with features that may look to prioritise cash flow management and financial growth.
Key differences include higher interest rates, stricter eligibility criteria, and potentially more flexible repayment options. For example, investment property financing often offers features like interest-only repayments, which help investors manage cash flow by minimising upfront costs, and line of credit loans, which allow access to equity for additional investments.
The benefits of investment loans include the potential for tax deductions, leveraging existing equity, and growing wealth through rental income and property appreciation. By working with Brava Finance as your Melbourne mortgage advisor, you may be able to more confidently identify the most suitable investment loan structure tailored to your goals.
Whether it’s your first investment property, or you are a seasoned investor, we are here to support you every step of the way. At Brava Finance we specialise in building strategies for property portfolio management, helping you take that first step towards achieving your wealth creation goals.
And my signature process ‘The Brava Finance Way’ principle service method has been designed to support a finely tuned, efficient & effective process from initial discussion to settlement – and beyond.
Submit your details and I’ll be in touch to discuss your first investment loan requirements.
There is no need to do this on your own. Think of me as your wingwoman! I will support you every step of the way as your:
Personal home loan shopper
Reliable admin assistant
Ongoing loan adviser
Why Choose a Mortgage Broker for Investment Loans in Melbourne
Navigating the Melbourne property market can be complex, especially for investors. A mortgage broker’s knowledge is invaluable in finding a loan to meet your specific needs, whether it’s for property investment loans or mortgage refinancing in Melbourne.
Brokers have access to a wide network of lenders, offering competitive investment loan rates and tailored solutions. They specialise in providing personalised advice, helping support an efficient loan structure that may help to maximise cash flow and returns.
In addition, brokers assist with scenarios such as refinancing options, real estate investment strategies, and managing multiple properties. Their in-depth understanding of Melbourne’s market trends allows them to guide you in making informed decisions more confidently. By partnering with a broker, you can streamline the investment mortgage solutions process and focus on growing your property portfolio with more confidence.
Benefits of working with a mortgage broker VS dealing direct with a bank/lender
- Access to over 50 different banks/lenders
- Finding a product with the best fit for you
- Work under Best Interest Duty - statutory obligation
- Service is at no cost to you
- Personal support & guidance
- Ongoing loan adviser
with
Cara Julian
with
Banks & lenders
Loan Types and Features
Don’t let all the mortgage terminology overwhelm you.
See below for a list of most commonly used mortgage terms:
A loan where the interest charged on the outstanding balance fluctuates based on an underlying benchmark or index that periodically changes.
A loan where the interest rate on the loan remains the same for a set period of time.
A loan that is divided into two or more portions (typically a fixed rate portion and a variable rate portion), each with different interest rates or loan types.
A loan structure where the borrower makes repayments on both the interest and the principal loan amount.
A loan in which the borrower pays only the interest for some or all of the term, with the principal balance unchanged during the interest-only period.
Our Lenders
We have access to over 50 different bank and non-bank lenders, so let us do the leg work for you!
Use our Calculators to:
- Calculate your loan repayment
- Calculate your income
- Calculate your maximum borrowing capacity
- Calculate your refinance savings
- Calculate how long it will take to repay your loan
Frequently Asked Questions
Home loan pre-approval (or conditional approval) means that a lender has agreed, in principle, to lend you money towards the purchase of your home but hasn’t proceeded to full or final approval.
A pre-approved home loan serves as a valuable instrument for prospective homebuyers, as it provides insight into the affordable amount for purchasing a property, may help you improve your negotiating position and to look with more confidence.
Owning a house comes with its own set of financial considerations, one of which is whether or not to refinance your mortgage. Refinancing may appear overwhelming at first, but it may provide many benefits for homeowners trying to better manage their changing financial situation. These benefits include: a more competitive interest rate, changing loan terms, switching loan types, and accessing home equity.
It is important to consider the costs of refinancing when making your decision. Typical costs involve a mortgage discharge fee, new lender set up fee and settlement fees.
Buying a home is a big step in anyone’s life. A mortgage broker can act as a guide, there to support you every step of the way.
There is a lot to understand including different rates, product features, loan terms, etc. This is where a mortgage broker can be a really helpful resource on your team.
Paying off your mortgage early comes with a host of benefits, both financial and emotional.
Here are 5 ways that may help you:
1. Make bi-weekly payments
2. Make lump sum payments
3. Refinance to a shorter-term
4. Make extra repayments
5. Cut unnecessary expenditure
Start your journey with me today!
Get in touch with me and find the right lending solution for you