Investment Loans

Investment Property Purchaser Tools

Investment Loan Options

Generally most lenders require you to have a 10% deposit to obtain an investment loan. But in many cases this is not possible. If you fit into one of the following categories we may still be able to help. If you have any questions about any of the products mentioned please submit your question using our contact us page or call us on 1300 738 100. If you would like a free, no obligation assessment of your loan options please apply online.

95% Investment property loan required

You have 5% genuine savings, saved over a period of at least 3 months, and you require a loan for an investment property for 95% of the purchase price

Most lenders will only lend up to 90% of the purchase price on an investment property. We have access to a few lenders who will lend up to 95% + will add the mortgage insurance premium to the loan. Some of these lenders will also allow you to borrow 95% with up to 10 years interest only repayments. Normal bank credit criteria applies. Please call us on 1300 738 100 for more information or apply online for a free, no obligation assessment of your situation.

You have no savings but you own another property with significant equity in it

You have no cash savings but you own your own home that has a significant amount of equity in it

A common misconception that may people have is that you need to have cash to purchase an investment property. This is often not the case. Do you own an unencumbered property or you own a property that has a lot of equity in it (i.e. the loan balance is 80% or less of the property value)? If your answer is YES then you may be able to purchase an investment property with zero cash savings. You can achieve this by simply borrowing against the equity in your current property. We can help you set up the right loan structure to best achieve your investment goals. Please call us on 1300 738 100 for more information or apply online for a free, no obligation assessment of your situation.

You have no genuine savings and you don't own a property

You have no genuine savings but are being given a non repayable gift from a relative or friend

If the gift is sufficient to make up 10% of the property price, you may be able to use a 90/10 home loan for this situation, where the 10% deposit does not have to be saved. Usually, if you borrow more than 80% of the property value you will be required to prove that you have saved 5% over a period of 6 months or more. In the case of a 90/10 loan you can borrow up to 90% of the property price without any genuine savings and at normal home loan rates. You will also need additional funds to pay for costs such as stamp duty. Please call 1300 738 100 for more information or apply online for a free, no obligation assessment of your situation.

You have no genuine savings but have a relative with significant equity in a property and is willing to act as a guarantor

There are a number of lenders on our panel who offer family equity type home loans. Some of these lenders do not require you to have any genuine savings and will even lend you extra funds to pay for the purchase costs, such as stamp duty. The interest rates on these products are very competitive. All you need is a relative who owns a property with equity in it and is willing to act as a guarantor. It is also possible to limit the guarantee so your relative is not a guarantor for your entire home loan, but for only a small portion of it. Once you build up enough equity in your property the guarantor can then apply to have their guarantee removed. Please call 1300 738 100 for more information or apply online for a free, no obligation assessment of your situation.