Investing in Property
Home loans for investment properties are vitally important financial tools that have the power to either help or hinder your investment growth. Most investors spend a lot of time and effort finding the right property to add to an investment portfolio. They research the profitability and they know how much rental income they’ll receive. They understand the concept of capital growth and they know they need to speak to an accountant about the best possible depreciation schedules they can find.
Buying an investment property?
Why don’t investors go to the same amount of effort and depth when researching the right investment loan? Choosing the right investment loan is not always about getting the lowest interest rate. The best loan for your investment property is the one that works best for your total investment strategy.
This means that a loan with a really cheap interest rate could be absolutely pointless to an investor wanting to buy and then re-sell quickly if that same loan comes with a huge application fee and an even bigger penalty fee for leaving the loan. The overall profit would be severely reduced by the massive cost of fees.
This could also mean that an investor who simply wants to buy a rental property and keep it for years and years just for the rental income with no thoughts of selling the house could be missing out on much cheaper interest rates available or alternative loan options than the ones their bank offered over the counter.
These examples are just a few ways that investors could be losing money by not making the effort to find the right investment home loan to suit your individual investment strategy.
How Our Brokers Can Help
Buying an investment
Selling your home
Buying your first home
Refinancing your Home
Comparing home loans
Improving your home
Buying a second property
Buying an investment
First time questions?
Many first time investors assume they will need a deposit to purchase an investment property. The fact is, many banks may allow you to use the equity in your own home to secure the entire cost of purchasing your investment property.
The type of home loan you choose can also be an important consideration for your overall investment strategy. Different types of home loans have vastly different levels of flexibility. The amount of flexibility you need will depend on your ultimate investment goals. You should understand the difference between an investment loan that is designed to help you reduce debt more rapidly and an investment loan that can actually help you to purchase more investment properties in future.
Working with a professional Origin Finance Loans consultant means you’ll be able to specify what your own goals and strategies are. You’ll know your consultant with work with you to find the best possible investment home loan options to suit your needs.
Find the right broker
Meet our diverse team of expert mortgage brokers, based across Australia and fluent in a range of languages and specialties — so you can find the right broker for your needs, no matter your background or goals
Why work with a mortgage broker?
Because more choice means better outcomes — for you.
Unlike banks, we’re not tied to a single lender. That means we can look across a wide panel of providers to find the loan that actually fits you — your goals, your circumstances, your future.
At Origin Finance, our brokers compare interest rates, loan structures, features, and flexibility across the market — from major banks to specialist lenders you might not even know existed. Whether you’re buying your first home, refinancing, or investing, we’ll help you make a smarter choice with expert advice and real support at every step.
FAQ
Is property a good investment?
Property can be a solid long-term investment, offering both capital growth and rental income. Like any investment, it comes with risks — so it’s important to do your research and get the right advice.
How much can I borrow for an investment property?
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Your borrowing power depends on your income, expenses, existing debts, and the expected rental income from the property. Use our calculators to get an estimate, then speak with a broker for a more accurate picture.
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What’s the difference between investing in a house vs. an apartment?
Houses typically offer stronger long-term capital growth, while apartments can provide better rental yields. The right choice depends on your investment strategy, budget, and location.
Can I use equity from my current home to invest?
Yes — many investors use the equity in their existing home as a deposit for their next property. A broker can help you understand how much equity you have and how to access it.
What costs should I consider when buying an investment property?
Beyond the purchase price, you’ll need to budget for stamp duty, legal fees, loan setup costs, property management, maintenance, and potential periods of vacancy.
Ready to apply?
It’s vitally important you speak with a specialist mortgage broker with experience in commercial lending before you apply for anything. If you’d like to make an appointment for a no obligation consultation for your commercial project, call one of the specialist Commercial Mortgage consultants at Origin Finance today to discuss your needs.
