Investment Loans

Buy your first investment property or expand your portfolio with an Investment Loan

At Empire Road Investments, we specialise in helping Australians, especially those in Perth, make informed decisions about investment loans. Whether you're buying a home or expanding your investment property portfolio, understanding your options is crucial. With access to a wide range of investment loan options from banks and lenders across Australia, we ensure you find the best fit for your financial needs. Our expertise not only simplifies the investment loan application process but also provides clarity on aspects such as interest rates, loan amounts, and lenders mortgage insurance (LMI).

When considering an investment loan, it's important to evaluate several key factors. Firstly, understanding interest rates is vital, as they can significantly impact your repayments. You can choose between a fixed interest rate, which offers stability, or a variable interest rate, which may provide flexibility and potential interest rate discounts. Our team helps you calculate investment loan repayments so you can make an informed choice that aligns with your financial situation. Additionally, lenders mortgage insurance (LMI) comes into play if your loan to value ratio (LVR) exceeds a certain threshold. Knowing how LMI affects your borrowing capacity is essential when applying for an investment loan.

Secondly, your credit history plays a significant role in the investment loan application process. A good credit history can open doors to more favourable terms and conditions, including lower interest rates. We assist you in understanding what lenders look for and how to present your credit history positively. Alongside this, preparing bank statements and other necessary documentation is a vital step in the streamlined application process. By ensuring you have all the required paperwork ready, we help you avoid delays and improve your chances of securing the desired loan amount.

Lastly, understanding the broader property market can enhance your investment strategy. The Western Australian property market offers unique opportunities, and being informed about regional trends can influence your decisions when purchasing your first investment property or adding to your existing portfolio. We provide insights into current market conditions and how they might affect stamp duty costs and other expenses related to buying a home. By considering these factors, you can better assess your borrowing capacity and make strategic decisions that align with your long-term goals.

Empire Road Investments is committed to guiding you through the complexities of investment loans. By working with us, you'll benefit from our comprehensive understanding of investment loan options tailored to suit residents in Perth and across Australia. Our expertise ensures that you are well-informed about interest rates, LMI implications, and the impact of your credit history on your application. We invite you to contact us today to discuss how we can assist you in making sound financial decisions and achieving success in the property market.

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Getting an Investment Loan

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 an Investment Loan.

Pre Approval

Once you're approved, you can start bidding or making offers on your first investment property or the next property in your portfolio.

Settlement

You settle on the property, your Investment Loan draws-down and you're good to go!

Book Appointment

Our Latest Reviews

Rhys Blowes

Tom William

Nothing short of outstanding. Michael managed my personal loan with great professionalism and he’s also really nice to deal with. Would highly recommend to anyone needing similar services.

Ryan Aitken

Michael has been awesome throughout my journey, providing so many pieces of opportunity and nuggets of wisdom, he has provided a guidance in which any one would hope for! He's service is truly unmatchable, he really devotes his time and effort in helping you and guiding you along the journey. Michael goes above in beyond to ensuring all needs and requirements are met in all circumstances. I can not recommend him enough :)

K J

Abraham

Michael is one of the most helpful and friendly people I've ever had the pleasure to meet and do business with, and it's all obviously completely genuine. He was amazingly patient, responsive, and supportive throughout the lending process, and nothing was too hard for him. I'm someone who pays a lot of attention to details, and I have a tendency to want to scrutinise everything. He was happy to look at all options available and walk me through it all, answering all my questions, breaking down the options and explaining clearly the pros and cons of each. Michael initially did all the legwork and identified the best lending option for me, making it all very clear and simple. However, he was happy to drill down into the details, to reassure me the end result was the best one for my curcumstances.

Alex King

We work with Australia's biggest lenders

Frequently Asked Questions

Can you help First Home Buyers?

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.

Can you only help with Home Loans?

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.

Are your mortgage brokers licensed and accredited?

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.

Can you help with refinancing an existing Mortgage?

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.

What kind of interest rates can you offer?

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.

Why should I use a 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.

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Name

Phone Number

Email Address

1010 Wellington Street West Perth, WA 6005

0892261521

About

Services

Empire Road Investments Pty Ltd ABN: 25 660 713 217. Credit Representative #443263 is authorised under Australian Credit License #389328

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.