Property investment financing

Overview

Investment lending can involve different requirements from buying a home to live in. Lenders may consider expected rental income, your existing commitments and the type of property.

We help you understand how an investment loan may fit with your broader financial position and prepare the information a lender may request. We do not provide investment, tax or legal advice — you should speak with qualified professionals about those matters.

Who this may suit

• Buyers purchasing a residential rental property
• Existing owners considering using equity
• People planning a long-term property portfolio
• Investors who want the lending process explained

Common eligibility considerations

Each lender sets its own criteria. Considerations commonly include:

• Income, including expected rental income
• Existing property and loan commitments
• Deposit or available equity
• Credit history
• Property type, location and title

Documents that may be requested

The exact list depends on the lender and your circumstances. We will confirm what applies to you.

• Photo identification and proof of income
• Details of existing properties and loans
• Rental appraisal or current lease agreements
• Bank statements
• Property and contract details

How the process works

1. Submit an enquiry
2. Discuss your investment goals
3. Prepare your financial information
4. Explore financing options that may suit you
5. Proceed through lender assessment and settlement, where applicable

How to enquire

Complete the enquiry form below or contact our team. We will discuss your goals, explain the next steps and let you know what information to prepare.