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How to get your first investment loan.

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Start Your Property Investment Journey the Right Way

There’s no denying it – property investment is one of the most effective ways to build wealth and secure your financial future. With the right property and financing, you can see your assets appreciate in value while earning a solid return from rental income. Unlike the unpredictable fluctuations of the stock market, property provides stability and diversification for your investment portfolio.

To ensure you get the most out of your property investment, it’s crucial to start off on the right foot. By structuring your property portfolio with the right loan, you’ll maximise your borrowing capacity and make every dollar work harder for you. With considerations like negative gearing, capital gains tax, depreciation, and offset accounts, the team at One Finance Co. will help you select the right loan and products that suit your specific financial situation.

Here to help at every step of the way.

Preparation

As experienced property investors ourselves, we have all the tools and knowledge to help you find the right lending solution for your investment opportunities. We’ll review your requirements to ensure they align with what’s needed for success. Our team is always happy to offer expert advice and make sure all the essentials are in place before you take the next step.

Finding the Right Loan Product

During our obligation-free assessment, we’ll carefully analyse your unique circumstances and explore all available financing options. Our goal is to help you maximise your borrowing capacity while keeping interest rates as low as possible. Selecting the right lending product is crucial for maximising your returns, so we compare options from over 30 different lenders to match you with the best loan for your situation.

Engaging the Right Professionals

Property investment isn’t a one-off decision; it’s a long-term strategy. We’ll be with you throughout your investment journey, offering ongoing support and advice to help refine your strategy as market conditions change. Whether you’re adjusting your portfolio or looking to expand, we’re here to ensure that every decision you make is in line with your financial goals and the best interests of your investment.

By working with One Finance Co., you’ll have a dedicated team committed to your success every step of the way, ensuring your property investment is as profitable and stress-free as possible.

Ongoing Support and Strategy Refinement

Property investment isn’t a one-off decision; it’s a long-term strategy. We’ll be with you throughout your investment journey, offering ongoing support and advice to help refine your strategy as market conditions change. Whether you’re adjusting your portfolio or looking to expand, we’re here to ensure that every decision you make is in line with your financial goals and the best interests of your investment.

By working with One Finance Co., you’ll have a dedicated team committed to your success every step of the way, ensuring your property investment is as profitable and stress-free as possible.

Learn more about refinancing your loan

Why Work with One Finance Co.

When it comes to securing the right loan or refinancing, you need an expert team by your side. At One Finance Co., we’re committed to helping you find the best solutions tailored to your financial needs, ensuring you get the most out of your investment.

Things to Know When Buying Your First Home

Buying your first home is an exciting step, but it comes with its challenges. From securing a home loan to understanding the costs involved, we’re here to guide you through every part of the process, so you make confident decisions for your future.

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Explore more about refinancing, buying your first home, and how we can help you every step of the way at One Finance Co.

Frequently asked questions

What’s the difference between an investment loan and a standard home loan in Australia?
An investment loan is designed specifically for purchasing investment properties, such as rental homes or commercial properties. It typically comes with different interest rates, loan terms, and may have features like interest-only repayments. Unlike a standard home loan, the interest paid on an investment loan can be tax-deductible.
For an investment property, lenders generally require a minimum deposit of 20%. However, some lenders may offer loans with a smaller deposit, but you may be required to pay Lenders Mortgage Insurance (LMI) if your deposit is under 20%. Your individual circumstances will influence the deposit amount.
Yes, you can use the equity in your current property to help fund the deposit for an investment property. This can allow you to enter the property market without needing a large cash deposit. However, it’s important to assess the risks and ensure you’re comfortable with increasing your debt.
Investment loans in Australia offer several tax benefits, including the ability to claim tax deductions on the interest paid, depreciation on the property, and costs related to managing the property, such as repairs, maintenance, and property management fees. It’s recommended to consult with a tax advisor to maximise your deductions.
Rental income is a key factor in determining how much you can borrow for an investment property. Lenders will assess the expected rental income from the property, alongside your other income sources, to calculate your borrowing capacity. A higher rental yield may allow you to borrow more, but it’s important to ensure the income is realistic and sustainable.