Investment Mortgages Overview
The market sector for investment mortgages is growing as more and more people look to create wealth through investing in property.
There are a number of investment mortgages available with an ever growing number of options to choose from so if you've ever considered property investment then we invite you to read through the information we have listed below and contact us.
Variable Rate Investment Mortgages
Investment mortgages with variable rates simply mean that the interest rate is subject to change depending on market conditions.
This means that the interest rate can increase or decrease and this can be determined by the RBA or the investment mortgage provider.
It is common practice that investors choose an interest only option for tax reasons but there are times that investors opt to pay principal and interest on their mortgage to access the equity which builds over time for other investment opportunities.
To find out more on variable rate mortgages contact us and speak to one of our consultants.
Fixed Rate Investment Mortgages
In contrast to variable rate products a fixed rate investment mortgage provides you with repayment stability for the specified period you nominate.
The period chosen for the fixed interest rate term generally falls in line with the investors goals for equity release or realising the gain in capital growth.
There are a great number of investment mortgages with fixed rates so to find out more about the options available just contact us and one of our consultants will assist.
100% No Deposit Investment Mortgages
Astute investors are now taking advantage of investment mortgages which allow up to 100% of the purchase price to be funded.
What this provides is the ability to lessen the investors out of pocket expenses where these funds can then go towards the associated costs of purchase.
100% No Deposit Investment Mortgage can either have a fixed or a variable rate so this allows flexibility for the investor as well as the benefits of a lower out of pocket amount.
We have a number of these products on offer so to find out which one suits your needs best just contact us and a consultant will assist.
How do I choose the right investment mortgage?
The choice you make with regard your investment mortgage depends on your needs and financial position.
Here are some points to consider when choosing a product:
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Do you want a fixed mortgage rate or a variable mortgage rate based on you 3-5yr goals |
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Do I require a 100% no deposit investment mortgage to minimise my expenses |
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What features do I need in my investment mortgage? |
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Should I choose an interest only repayment or principal and interest repayments? |
These are simply a few of the considerations when looking at investment mortgages so we invite you to contact us and have a chat to one of our consultants to find out more about the options available.
What's my next step in getting my investment mortgage?
Your next step should be to contact us and speak to our consultants who can answer your questions and help highlight the different types of products on offer.
This will help you make a more informed decision.
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