Investment Loans

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

Pollux Financial is committed to helping you make informed decisions when it comes to your financial goals. Whether you're buying a home or looking to expand your investment property portfolio, understanding investment loans is crucial. Our team is here to assist you in accessing investment loan options from banks and lenders across Australia. We ensure you get the best possible terms tailored to your financial situation, helping you to successfully enter the property market or enhance your existing assets.

At Pollux Financial, we understand that securing an investment loan involves several key considerations. One of the primary factors is the interest rate. Choosing between a fixed interest rate and a variable interest rate can significantly impact your repayments. Fixed interest rates provide consistency, making it easier to plan your finances, while variable rates may offer more flexibility and potential savings if market rates decrease. Our experts assist you in calculating investment loan repayments, helping you determine which option aligns best with your goals.

Another important aspect of applying for an investment loan is the loan to value ratio (LVR). This ratio helps lenders assess risk by comparing the loan amount to the value of the property. A lower LVR might qualify you for interest rate discounts, reducing your long-term costs. However, if your LVR is high, you might need lenders mortgage insurance (LMI), which can add to your expenses. Our team supports you in evaluating these factors to maximise your borrowing capacity and minimise extra costs.

Your credit history plays a crucial role in the investment loan application process. A strong credit history can increase your chances of approval and potentially secure more favourable terms. At Pollux Financial, we guide you through reviewing and improving your credit profile if needed. Additionally, we assist in gathering necessary documents, such as bank statements, to ensure a streamlined application process. Understanding these requirements is essential whether you're looking at purchasing your first investment property or expanding your property portfolio.

In addition to these core considerations, other costs like stamp duty must be factored into your planning. Our team at Pollux Financial helps you understand these additional expenses and how they affect your overall financial situation. We aim to provide clarity and support throughout the process of applying for an investment loan, ensuring that you are well-equipped to make informed decisions.

In summary, Pollux Financial is dedicated to simplifying the complexities of investment loans for clients in Canberra and across Australia. By offering expert guidance on interest rates, LVR, credit history, and more, we enable you to make strategic choices for your financial future. If you're considering applying for an investment loan or seeking advice on expanding your investment property portfolio, contact us today. Let Pollux Financial be your partner in navigating the ever-evolving property market with confidence.

Getting an Investment Loan with Pollux Financial

1. Understanding Your Needs
Your mortgage journey begins with a detailed consultation with your Finance & Mortgage Broker. Your broker will listen to your property goals, whether you’re buying a home, investing in real estate, or refinancing. They will assess your financial situation, considering factors like income, savings, liabilities, and credit history, to provide tailored advice on loan options available to you.

2. Financial Positioning
Your broker will request relevant documentation such as bank statements, recent tax returns, and evidence of assets and liabilities to determine your borrowing capacity. They will calculate how much you can afford to borrow, considering important factors like LVR, potential LMI, and interest rates. Your broker will also advise you on how to improve your financial standing if necessary, ensuring you are in the best position to apply for a loan.

3. Comparing Loan Options
Once your financial situation is fully assessed, your broker will begin comparing loan products from a range of lenders across Australia. They will help you weigh the benefits of fixed interest rate loans versus variable interest rate loans, as well as exploring options for offset accounts and interest rate discounts. They will also explain important terms like loan features, fees, and other considerations like the potential for future rate changes or LVR adjustments.

4. Submitting the Loan Application
Your broker will help you complete the loan application. They will guide you through submitting all necessary paperwork to the lender, including documents like bank statements, proof of income, and details of existing liabilities. Your broker will communicate directly with the lender to ensure the application is processed quickly, ensuring no delays in getting you the loan you need.

5. Loan Approval & Settlement
After your loan is approved, your broker will review the final loan offer with you and help arrange any necessary insurance. They will also work with you to ensure you understand the terms of the loan and guide you through the settlement process. Your broker will remain available to help you navigate any final hurdles before you complete the purchase of your property, land and build, refinance, etc.

Step 6: Ongoing Support
Once your loan is settled, your Finance & Mortgage Broker remains available for ongoing support. This may include advising on managing your loan repayments, exploring the possibility of refinancing, or helping you tap into your home equity for future property purchases. Your broker’s role doesn’t end at settlement—they’ll be there to guide you through the entirety of your property ownership journey.

Reviews for Pollux Financial

SK

Sandi Kinnane

I highly recommend Paul. He found us the best deal for our circumstances, kept us informed, explained the process at every step, and was very responsive to any questions. He made everything really easy.

IK

Izzeden Khalil

We've used Paul a number of times from refinancing my PPOR or purchasing investment properties. He made the process as hassle free as possible for us. Pauls’ understanding of the mortgage industry helped us getting hassle free finance for ...

NM

Nathan Morrison

Stress free refinancing. Paul and his team made our refinancing process an easy and positive one. Paul is an excellent communicator, and from our first meeting, knew what we wanted to achieve and worked hard to get us the result we wanted. ...

Frequently Asked Questions

Can you only help with Home Loans?

We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.

Can you help First Home Buyers?

We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.

Can you help with refinancing an existing Mortgage?

Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.

Why should I use a Mortgage Broker?

Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.

What kind of interest rates can you offer?

We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.