Investment Loans
You’re an ambitious investor. You understand that getting the first few properties is easy - but scaling beyond them is where most people hit a wall. Traditional banking structures and generic broker advice simply don't support the complexity required for multi-property wealth.
We focus exclusively on solving the three biggest roadblocks that stop investors from achieving financial freedom:
My experience with Danny and Paul has been nothing short of exceptional. Their creative lending expertise has given me a clear path forward to build my property portfolio, and I’ll definitely be continuing with them throughout my property journey.
Ryan Casamento
Patient, knowledgeable and person centred to our needs. Great service from start to finish. Could not fault
Fee Marsic
I’ve had an excellent experience working with Danny as my financial broker. His advice is consistently clear, well-informed, and tailored to my financial goals. He’s proactive, responsive, and genuinely invested in helping me succeed. I feel confident knowing my finances are in such capable hands.
Basavaraj B
Absolutely outstanding service! Danny made the entire finance process seamless and stress-free. Their expertise, professionalism, and clear communication were second to none. They took the time to understand my needs and secured an ...
Anthony Critelli
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Banks penalise success by using conservative income calculations that max out your serviceability too early.
Dealing with trusts, SMSFs, and business financials causes friction, delays, and outright loan rejections from standard lenders.
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Most brokers put all your properties under one lender, trapping your equity and limiting your future flexibility.
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.
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.
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.
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.
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.
After approval, we organise document signing and provide guidance, ensuring clarity. We guide you through each step to finalise your mortgage effectively.
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.
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.
With over a decade of experience in private and premier banking, Danny Trajcevski brings a deep understanding of the unique needs of high-net worth Australians. As a successful property investor with an impressive property portfolio himself, Danny has firsthand experience in using property as a vehicle for wealth creation. This experience has allowed him to retire from his PAYG income early, and transition into helping like-minded individuals achieve their property aspirations, making Traj Finance uniquely positioned to assist high-net worth Australians in growing their wealth.
When you secure a loan through a broker, you won’t face any additional loan repayments or charges. The broker earns a commission from the lender for bringing in new customers, but this has no impact on your interest rate or any other terms of your loan agreement.
You won’t have to pay for the services of a broker as they receive their compensation from the lender. Brokers have a vast selection of loan options from numerous lenders at their disposal, ensuring they can locate the perfect loan that fits your specific needs. They typically aim to secure the lowest rate possible while also considering the loan features that best suit your situation.
However, be aware that some brokers might charge a service fee, but they are required to inform you of any such fees upfront before they begin providing their services.
Although our borrowing calculator offers a good estimate of the amount you could potentially borrow, for a more accurate evaluation, we encourage you to contact our team. We’ll discuss your specific situation in greater detail and explore the various options available to you.
Variable-rate home loans are exactly what they sound like – their interest rates can go up or down over time. This type of loan usually offers more flexibility, including the ability to make extra payments or access a redraw facility, but it means your repayment amounts can vary.
Conversely, fixed-rate home loans lock in your monthly payments, so you’ll always know precisely what you’re paying each month for the life of the loan. They tend not to offer as many features but provide stability for your budgeting.
Deciding between the two comes down to what you value more: the flexibility to adapt your loan to changing circumstances or the security of knowing your repayments will stay the same.
Thanks to our partnership with a mortgage aggregator, we have access to a diverse range of loan options from over 40 lenders. This extensive network enables us to present you with a variety of suitable choices tailored to your unique needs and circumstances.
Traj Finance Pty Ltd ABN: 55 675 457 495. Credit Representative #558243 is authorised under Australian Credit License #384704
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.
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