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

At Traj Finance, we understand the unique financial goals of business owners, professional services employees, and high-net-worth individuals across Australia. Investment loans are a powerful tool to grow your wealth and build an investment property portfolio. With a range of investment loan options from banks and lenders across Australia, our team is here to guide you through the process of buying a home or expanding your property market presence. Whether you're looking to purchase your first investment property or enhance your existing portfolio, our expertise ensures a seamless experience tailored to your financial aspirations.

Accessing investment loan options can significantly impact your financial situation. One of the primary considerations is the interest rate, which can be either variable or fixed. A variable interest rate offers flexibility, while a fixed interest rate provides stability. At Traj Finance, we help you assess which option aligns best with your goals. Additionally, interest rate discounts may be available depending on your credit history and the loan amount, potentially saving you thousands over the loan term.

Understanding lenders mortgage insurance (LMI) is also crucial when applying for an investment loan. LMI is typically required when your loan to value ratio (LVR) exceeds 80%. This insurance protects the lender in case of default but can add to your overall costs. Our team at Traj Finance will help you evaluate whether paying LMI or increasing your deposit to reduce LVR is more beneficial for your circumstances.

The application process for an investment loan involves several key components, including assessing your borrowing capacity and submitting necessary documents like bank statements and proof of income. Your credit history plays a vital role in determining both your eligibility and the interest rate offered by the lender. At Traj Finance, we offer a streamlined application process designed to minimise stress and maximise efficiency. Our experienced brokers will guide you through every step of the investment loan application, helping you understand the nuances and requirements involved.

Calculating investment loan repayments is an essential part of planning your finances. Accurate calculations help you budget effectively and ensure you're prepared for any potential changes in the property market. By working with Traj Finance, you'll receive detailed insights into expected repayments based on different scenarios, including changes in interest rates or alterations in your financial situation.

Stamp duty is another consideration when investing in property. This tax varies by state and can significantly impact the total cost of purchasing an investment property. Our advisors will help you estimate these costs early in the process, ensuring you're fully informed before making any commitments.

The decision to invest in property is a significant one, and having the right support makes all the difference. At Traj Finance, we pride ourselves on offering personalised advice and solutions to help you achieve your investment goals. With access to diverse investment loan options from banks and lenders across Australia, we provide the expertise needed to make informed decisions tailored to your needs.

As you consider applying for an investment loan, remember that understanding each element—from interest rates and LMI to the application process and potential tax implications—is crucial for success. Traj Finance is here to assist you with every aspect of your investment journey. Contact us today to discuss how we can support your ambitions and help you make informed financial decisions that align with your goals.

The Investment Loan Application Process

1. Initial Meeting

Begin by having a chat with one of our qualified Finance & Mortgage Brokers, either face-to-face or via a Teams video call. We will explore your goals and overall strategy, taking time to understand your situation. We also discuss Investment Loan types, options, and special policies you may be eligible for.

2. Documentation

Next, we go over all necessary documents. Reviewing your financials, assets, credit history, and bank statements allows us to provide accurate insights into your borrowing capacity. This ensures we have everything we need for a strong submission that aligns with your financial objectives.

3. Strategy Meeting

In this session, we delve into credit policies and refine your financials to maximise servicing potential. We break down the Investment Loan amount, interest rates (both variable and fixed), potential rate discounts, and the importance of the loan-to-value ratio (LVR). Our goal is to offer personalised solutions that match your objectives while ensuring a clear understanding of all requirements.

4. Investment Loan Submission

Once you receive pre-approval, you can confidently begin bidding or making offers on properties. We then submit your complete application and supporting documents to your chosen lender, aiming for the best possible outcome based on your financial goals.

5. Approval and Signing

After approval, we organise document signing and provide guidance, ensuring clarity. We guide you through each step to finalise your mortgage effectively.

6. Settlement

Upon property settlement, your Investment Loan is drawn down, and you can move forward. We coordinate with all relevant parties to make sure the process is efficient and seamless. You’ll also receive guidance on Investment Loan repayments and managing your interest rate.

7. Post Settlement

Following settlement, we stay in touch to ensure everything continues to run smoothly. We remain available to answer any questions about your new loan and assist with any changes you might need. Furthermore, we review your Investment Loan every six months to maintain competitive pricing, demonstrating our commitment to your financial well-being.