Rated 5 from 134 Reviews
At The Funding Agency, we understand the complexities of securing investment loans in Australia, especially for those looking to expand their property portfolio. Whether you're buying your first investment property or adding to an existing collection, accessing investment loan options from banks and lenders across Australia is crucial. Our experienced team is dedicated to guiding you through the investment loan application process, ensuring you find the most suitable terms for your financial situation. With various factors like interest rates, lenders mortgage insurance (LMI), and the property market to consider, our goal is to make it easier for you to achieve your investment aspirations.
When applying for an investment loan, your credit history plays a significant role. Lenders often assess this to determine your borrowing capacity and the terms of your loan. A strong credit history can lead to interest rate discounts and better loan conditions. Additionally, the loan amount and your financial situation are crucial in assessing the loan to value ratio (LVR), which influences the necessity for LMI. For those buying a home or expanding their investment property portfolio, understanding these elements can save you from unforeseen costs like stamp duty.
Interest rates are another vital consideration. With options such as fixed and variable interest rates, choosing the right one depends on your long-term investment strategy. A fixed interest rate provides stability with set repayments, while a variable interest rate might offer more flexibility and potential savings if market conditions change favourably. Calculating investment loan repayments accurately ensures you're prepared for monthly commitments, and our team can help you compare different Investment Loan Interest Rates to find the best fit.
The application process for an investment loan can be streamlined with the right guidance. At The Funding Agency, we facilitate a straightforward approach by thoroughly reviewing your bank statements, credit history, and overall financial health. This helps us tailor investment loan options that align with your goals. Whether you're navigating the vibrant Melbourne property market or exploring opportunities elsewhere in Victoria or across Australia, our expertise ensures you are well-equipped to make informed decisions.
As you embark on your journey in the property market, remember that an effectively managed investment loan can significantly enhance your financial portfolio. The Funding Agency is here to assist every step of the way. Contact us today to explore investment loan options tailored to your needs and secure your future in property investment with confidence.
Start with a conversation with one of our expert Finance & Mortgage Brokers. We take the time to understand your financial goals and objectives. The broker will look to gain an understanding of your short term and long term plans.
To get started, we’ll request key information and documents such as income statements, bank records, and identification. Our team will guide you through the required paperwork to ensure a smooth process.
We conduct a thorough review of your financial situation like how a bank would. We assess your income, assets, liabilities, spending history and credit history. Based on this, we design a finance plan tailored to your needs, ensuring you maximise your borrowing potential and secure the most suitable loan structure. We will work with you to present the best possible options and discuss how your financial position impacts these options.
Once everything is in place and we have all relevant information and signed application documents, we will submit your loan application to the selected lender. We manage the process end-to-end, liaising with the bank or funder to ensure a seamless experience. We will keep you up to date with emails throughout the journey.
Once your loan is approved, we’ll guide you through the formal documentation process and the relevant steps towards settlement!
As settlement approaches, we coordinate with all relevant parties—your lender, solicitor, and other important parties—to ensure a smooth transaction. Once your loan is settled we will complete relevant checks to ensure that everything has been set up correctly (with your help)
Our relationship doesn’t end at settlement. We provide ongoing support through our **Customer Care Program**, helping you manage repayments, review interest rates, and explore refinancing or investment opportunities as your needs evolve.
AB
Alex Bogart King
I've done 5 or 6 refinances now through Dean and Bobby, easily the best in the business. If you're frustrated with the banks, go and see these guys... They are masters at navigating bank world and figuring out what's most suitable for you.
TM
Tayla McHale
Dean and the team were simply amazing. I approached Dean as I was looking to purchase my first home and had absolutely no knowledge of the process. Dean was very patient and made everything very easy to understand in turn making the process ...
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Oshani Withanage
Bobby and the team were extremely helpful, professional and accommodating in assisting me purchase my first home. Having them do all the heavy lifting made it a seamless experience for me which I’m grateful for. Would definitely recommend to all friends and family!
We provide a range of funding solutions, including development finance, residential and commercial property loans, business loans, and asset finance.
Yes, we provide private lending solutions for borrowers who may not meet traditional bank criteria, as well as tailored development finance for residential and commercial projects.
The timeline varies depending on the complexity of your application. Some loans can be approved within 24-48 hours, while larger or more complex funding may take longer
Interest rates and fees vary based on the loan type, risk assessment, and market conditions. Contact us for a personalised quote.
Eligibility depends on the type of funding you need. We assess factors such as financial history, creditworthiness, income, and project feasibility.
Yes, we offer pre-approvals to help you understand your borrowing capacity before committing to a loan.
Yes, early repayments are allowed on most loans, but some may have exit fees or break costs. We will outline any applicable fees upfront.
Typically, you’ll need identification, financial statements, tax returns, business plans (if applicable), and details about the asset or project you’re funding.
Yes, we assess applications holistically. While credit history is a factor, we also consider business performance, cash flow, and collateral.
You can start by filling out our online application form, calling our team, or booking a consultation to discuss your funding needs.
The Trustee for M2 FINANCIAL UNIT TRUST ABN: 82 394 905 612. Credit Representative #560421 is authorised under Australian Credit License #383640.
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.
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