What Is An Investment Property Loan
An investment property loan is used to purchase property intended for rental income or long-term capital growth.
At AHR Finance, we assist in structuring lending for investment properties based on your situation, including loan features, deposit requirements, and lender policies.
Investment lending may differ from owner-occupied loans, with varying requirements depending on the lender and overall scenario.
Structuring Lending For Investment Properties
Investment lending involves more than just selecting an interest rate. It requires the right loan structure, appropriate features, and alignment with your overall position.
We assist in presenting options across a range of lenders, helping ensure your lending is structured to suit your investment scenario.
Long-Term Investment Lending
Loan structures suited for property held as an investment.
Rental Income Considerations
Understanding how lenders assess rental income and servicing.
Flexible Loan Features
Options such as offset accounts or interest-only repayments, subject to lender criteria.
Loan features such as interest-only repayments, offset accounts, and flexible terms may be available depending on the lender and scenario. We assist in structuring these options based on your individual circumstances.
Managing Investment Lending Effectively
Choosing an investment loan involves comparing lenders, understanding policy differences, and structuring lending appropriately.
At AHR Finance, we assist by reviewing options, structuring your loan, and managing the process from application through to settlement.
Portfolio Structuring
Supporting lending across single or multiple investment properties.
Security & Equity Use
Understanding how equity and property security are assessed.
Lender Policy Alignment
Matching your scenario with suitable lender criteria
Rental Income Assessment
How lenders treat rental income for servicing purposes.
A broad panel of lenders for investment lending
FAQs
How much deposit do I need for an investment property?
Most lenders typically require around 10–20% deposit, depending on your financial position and loan structure.
Can I use equity to buy an investment property?
Yes, many investors use equity from their existing property to fund deposits for new investments.
Are investment loans different from home loans?
Yes, they usually have stricter requirements and slightly higher rates, as they are designed for income-generating properties rather than owner-occupied homes.
