Investment Loans

Whether it's your first investment property or a portfolio, we're here to help

Investing in property can be a significant step towards building long-term wealth. At Objective Wealth, we specialise in helping clients access investment loan options from banks and lenders across Australia. Our expertise extends to navigating interest rates, lenders mortgage insurance (LMI), and the intricacies of the property market to support your financial journey. Whether you're buying a first investment property or expanding an investment property portfolio, we are here to assist clients in Canberra, ACT, and nation-wide.

Understanding the investment loan landscape is crucial for making informed decisions. One of the primary considerations when applying for an investment loan is the interest rate. Fixed interest rates offer stability, allowing you to plan your finances without the worry of fluctuating repayments. On the other hand, variable interest rates might suit those who anticipate favourable market changes. Our team provides insights into both to ensure you choose the most suitable investment loan options.

Another important factor is your financial situation, including your credit history and borrowing capacity. A solid credit history can lead to interest rate discounts and a more favourable loan amount. We guide you through calculating investment loan repayments, ensuring they align with your financial goals. Understanding how the loan to value ratio (LVR) affects your application is also essential. A higher LVR might necessitate lenders mortgage insurance, adding another layer to consider in your investment loan application.

The application process can be streamlined with the right preparation. At Objective Wealth, we assist in gathering necessary documentation such as bank statements and proof of income to support your application. Knowing what lenders look for can simplify the process of applying for an investment loan. We provide a clear pathway from initial consultation to submitting your investment loan application, ensuring everything is in place for a successful outcome.

Owning an investment property involves costs like stamp duty, which must be factored into your financial planning. Our advisors help calculate potential returns and expenses to provide a comprehensive view of your investment. Understanding these elements is key to making sound decisions about buying a home or managing an investment property portfolio.

Our goal is to offer clients access to diverse investment loan options tailored to their needs. We understand the Canberra property market and its unique challenges and opportunities. By aligning with our clients' objectives, we ensure they are well-equipped to make strategic investments.

Engaging with Objective Wealth means choosing a partner committed to your investment success. Explore our range of services designed to optimise your investment loan journey. Whether you're stepping into the market for the first time or looking to expand, our expertise can help transform your property aspirations into reality. Contact us today to learn more about how we can assist with your specific requirements.

How to Prepare for Your Next Property Purchase

Step 1: Initial Call or Meeting

Your property journey begins with an initial conversation with your mortgage broker. This is where you’ll outline your goals and provide a snapshot of your current financial situation.

Step 2: Complete a Fact Find

You’ll complete a Fact Find—either online or on paper—which gathers all the essential information your broker needs to assess your position and identify lenders that align with your needs and objectives.

Step 3: Review Meeting

You’ll meet with your broker to explore lending options and finalise the structure of your application.

Keep in mind: the lender with the lowest rate isn’t always the best fit. Lending policies vary significantly, and your broker will guide you through key considerations such as:

• Fixed vs variable interest rates
• Government programs
• Loan structures
• Fully assessed pre-approvals
• Lenders Mortgage Insurance (LMI)
• Offset accounts
• Loan-to-Value Ratio (LVR)

Step 4: Credit Proposal

Your broker will prepare a Credit Proposal outlining your loan structure. You’ll review and sign this document, confirming the details and raising any questions or corrections before submission.

Step 5: Application Preparation

Once the Credit Proposal is signed, your broker will begin preparing your application for submission. This typically involves gathering supporting documents and completing lender-specific forms.

Step 6: Submit Application

Your application is submitted to the lender. It’s common for lenders to request additional documentation or clarification—your broker will guide you through this process.

Step 7: Pre-Approval

Once approved, your fully assessed pre-approval is typically valid for 90 days and gives you confidence to bid at auction.

Note: Not all pre-approvals are fully assessed. Some are system-generated and only formally reviewed after a property is purchased—potentially leaving you exposed if the loan is declined.

During this period, avoid applying for new loans or credit cards, as this could trigger a reassessment.

Step 8: Purchase a Property

Your broker will support you through the purchasing process, offering strategies to help you secure the property at the best possible price.

Step 9: Finalise the Purchase

Firstly, we will review the suitability of the loan given you will probably have bought for a different price than the pre-approval allowed you to spend. Being Mortgage brokers with a wide range of lenders, we might be able to find you an even better deal once you finalise the exact property.

You’ll confirm the loan structure, amount, and your cash contribution where we will ensure you are getting the most value out of any LMI (if you are paying any). Your broker will convert the pre-approval into a formal purchase application, and the bank will issue loan documents for your review and signature.

Step 10: Settlement

Your solicitor will coordinate the settlement date and confirm final figures. Any required funds are typically transferred into a shortfall account—usually set up with your incoming lender during the loan process.

Step 11: Ongoing Support

Even after settlement, your mortgage broker remains a valuable resource. They can assist with:

• Managing repayments
• Refinancing opportunities
• Accessing equity for future purchases

Your broker’s support doesn’t end at settlement—they’re with you for the long haul.