Residential property investment is one of the most tried-and-true methods to build wealth in Australia. If you’re considering purchasing your first investment property or are looking to grow an existing portfolio, understanding your finance options is key to maximising your returns and minimising risk.
At Shore Financial, we specialise in helping investors secure the right residential property investment loans to support their goals now and in the future.
What is a residential property investment loan?
A residential property investment loan is a mortgage used to purchase a property with the intent of renting it out and generating income, rather than living in it yourself. These loans often have different features and lending criteria compared to owner-occupied home loans.
Lenders typically assess:
- Your rental income potential
- Existing debts and liabilities
- Overall borrowing capacity
- Equity available in other properties
You may also encounter different residential investment property loan rates, deposit requirements and tax implications when investing in property, so it’s important to get expert advice before committing.
