Investment Loans

Investment Loans Melbourne | Property Investment Financing Solutions | AXTON Finance

Rated 5 from 560 Reviews

Build Your Property Portfolio with Investment Loans

Investing in real estate represents one of the most effective pathways to building long-term wealth, and securing the right investment loan is crucial to your success. At AXTON Finance, we understand that buying an investment property requires careful financial planning and access to competitive lending options. Our experienced Finance & Mortgage Brokers work tirelessly to help clients across Melbourne and Australia access some of the best interest rates available from banks and lenders nationwide. Whether you're purchasing your first investment property or expanding an existing investment property portfolio, we provide the expertise and market knowledge needed to make informed decisions about your property investment strategy.

The investment loan landscape offers numerous opportunities for savvy investors, from purchasing apartments and townhouses to acquiring stand-alone dwellings for rental income. Our team at AXTON Finance specialises in matching clients with suitable investment loan options that align with their borrowing capacity and investment goals. We help you navigate complex considerations such as loan to value ratio (LVR), lenders mortgage insurance (LMI), and stamp duty implications while ensuring you understand how different loan structures affect your rental yield and negative gearing benefits. By working with the best Mortgage Broker team, you gain access to a comprehensive range of lending products that many investors never discover when dealing directly with individual banks.

Choosing between variable interest rate and fixed interest rate options requires careful analysis of current market conditions and your personal investment timeline. AXTON Finance provides detailed guidance on calculating investment loan repayments and understanding how different interest rate structures impact your overall investment returns. Our Finance & Mortgage Broker specialists research property market trends and lending policies to ensure you receive relevant, up-to-date advice tailored to your circumstances. We streamline the application process by managing relationships with multiple lenders, comparing interest rate discounts, and presenting your investment loan application in the strongest possible light to secure approval.

The complexity of applying for an investment loan extends beyond simply completing paperwork and providing bank statements. AXTON Finance recognises that each client's situation is unique, requiring personalised strategies that consider factors such as existing debt, income stability, and long-term investment objectives. Our comprehensive approach includes analysing your borrowing capacity, reviewing property investment loan features, and identifying opportunities to optimise your loan structure for maximum tax efficiency. We work closely with you throughout the entire process, from initial property research through to settlement, ensuring you feel confident and informed at every stage.

Partnering with AXTON Finance means gaining access to professional expertise that extends far beyond basic loan facilitation. Our commitment to delivering exceptional service has established us as trusted Finance & Mortgage Brokers throughout Melbourne and across Australia. We provide ongoing support even after your investment loan settles, helping you navigate changing market conditions and refinancing opportunities as your portfolio grows. Contact us today to discover how our streamlined application process and industry expertise can help you secure the right financing solution for your property investment goals.

How much can you borrow to buy?

AXTON Finance - Melbourne's Best Mortgage Brokers

Common Questions About Investment Loans

What interest rate can I expect on an investment loan?

Investment Loan Interest Rates vary significantly depending on your financial situation, the lender, and current market conditions. Generally, investment loan rates are slightly higher than owner-occupier rates, but AXTON Finance can help you access some of the best interest rates available through our extensive lender network. Our Finance & Mortgage Broker team compares offers from multiple banks and lenders across Australia to find competitive rates that suit your circumstances. We recommend booking a free consultation to discuss current interest rate discounts and determine what rates you may qualify for based on your specific investment goals.

How much can I borrow for buying an investment property?

Your borrowing capacity for an investment loan depends on multiple factors including your income, existing debts, living expenses, and the rental yield of your proposed investment property. Most lenders will consider up to 80% of the rental income when assessing your application, though policies vary between institutions. AXTON Finance conducts thorough assessments of your financial position and research property options that align with your borrowing capacity. Our experienced team can provide personalised guidance on loan amounts and help structure your application to maximise your chances of approval.

What's the difference between investment loans and home loans?

Investment loans are specifically designed for buying rental properties and offer different features compared to standard home loans. Key differences include interest rates, tax deductibility, loan to value ratio (LVR) limits, and lenders mortgage insurance (LMI) requirements. Investment property loans typically allow higher LVRs and offer features that support negative gearing strategies. AXTON Finance explains these differences in detail and helps you understand how investment loan options can benefit your property investment strategy. We encourage potential investors to book a consultation to explore how these products work in practice.

Do I need lenders mortgage insurance on an investment loan?

Lenders mortgage insurance (LMI) is typically required when borrowing more than 80% of the property value, regardless of whether it's an investment loan or owner-occupier loan. However, LMI costs and policies can vary between lenders, and some offer different LMI arrangements for investment properties. AXTON Finance helps you understand LMI requirements across different lenders and can identify options that minimise these costs. Our Finance & Mortgage Brokers also explore strategies to avoid LMI where possible, such as using deposit bonds or structuring loans differently.

How long does the investment loan application process take?

The application process timeline varies depending on the lender, your financial complexity, and how quickly you provide required documentation such as bank statements and property details. Typically, the process takes 2-6 weeks from application to approval, though this can be longer during busy periods or if additional information is needed. AXTON Finance offers a streamlined application process that helps reduce delays by ensuring your application is complete and properly presented from the start. We manage communication with lenders and keep you informed throughout, making the experience as smooth as possible for first-time and experienced investors alike.

Get help from our Mortgage Brokers

We are passionate about delivering reliable client outcome and not just a cookie-cutter service. With over 100 years of combined industry experience, you can trust the team at AXTON Finance.

Joyce Cheng - Mortgage Broker at AXTON Finance

After a distinguished career in private banking at Macquarie Bank, Joyce recognised the value she could provide to clients in a smaller business setting, serving a diverse range of individuals from emerging wealth and high net wealth backgrounds.

Joyce Cheng

Senior Mortgage Broker

Nicole Campbell - Mortgage Broker at AXTON Finance

With over 20 years of experience working in senior mortgage broking roles, Nicole's experience means she has expert knowledge in lending. Whether it be complex lending structures or first home buyers, Nicole's focus is always reliable client outcomes.

Nicole Campbell

Partner Mortgage Broker

Luke Rowland - Mortgage Broker at AXTON Finance

Driven by a desire to empower his clients with the knowledge, resources and service to deliver results, Luke has earned a reputation, shown in his stellar career trajectory for his exceptional proficiency across the lending spectrum.

Luke Rowland

Partner Mortgage Broker

Access to Competitive Rates from Leading Lenders

Select from over 35 different lenders offering hundreds of mortgage products.

Our Reviews

We pride ourselves on being brokers you can actually trust, from the initial consultation through to annual reviews that we perform years after your settlement, our tailored services and relationship focus is built to last.

Need proof that we are one of Melbourne’s best mortgage brokerages? Don’t just take our word for it – we have hundreds of positive Google reviews from real clients so you can rest assured you’re making the right choice with choosing AXTON Finance.

Google Reviews

Rated 5 from 560 Reviews

David Pelligra gave the greatest gift that could be given to a first-home buyer navigating uncertain economic times: absolute confidence. As an overthinker, I incredibly appreciated how clear, informative, and reassuring David was throughout the entire journey, making what could have been a stressful process completely seamless. I will happily continue to engage David and the AXTON Finance team for ongoing guidance. Highly recommended! ⭐⭐⭐⭐⭐

Kes Magpayo

a day ago

Martin was knowledgeable and was fantastic with his communication.

Mannie Psarakis

This week

My partner and I just bought our first little house and the process was made so easy by Joyce, who is an absolute legend of a mortgage broker. She really held our hand and made the whole thing easy for us. She was patient, honest and real, and absolutely deserving of the accolades she gets on here. Thanks Joyce!

F A

This month

I had a great experience working with Nicole purchasing my first home. Nicole was available to chat at any time and was always more than happy to answer all of my questions and explained every step really clearly. I can’t recommend Nicole more highly!

Hannah Krieger

This month

Joyce was incredible to work with. She was knowledgeable, quick to respond, and patiently guided us through the whole process. I can’t recommend her enough (and have already recommended her to friends).

Adrienne Smith

This month

Nicole Campbell is an absolute jet. Can’t recommend her enough. Fast, clear and straightforward.

Sam Shields

This month

We had Nicole as our broker to buy our first home, she’s absolutely amazing! The whole process felt smooth and she was there to help every step of the way, explained everything thoroughly and answered any questions we had. Would highly recommend Nicole, she is so lovely and supportive! ❤️

Rikki Paull

This month

Fantastic experience and guidance with David Pelligra at Axton Finance. David went above and beyond with our refinancing, he kept things very simple and fought for the best deal for us. What truly makes David stand out is his kind and genuine nature towards helping people, and not trying to impress them with technical jargon. Even months after the refinance has been settled, David always picks up the phone to answer any questions, big or small. A true gent.

Jas Daheley

This month

AXTON Finance - Melbourne's Best Mortgage Brokers

Frequently Asked Questions

How do rental income and tax benefits affect my investment loan application?

Investment properties offer unique advantages in terms of rental income considerations and tax benefits, but these vary based on your individual circumstances and the specific property. The tax implications can be complex and should be carefully considered as part of your overall investment strategy. Book a consultation to understand how these factors apply to your situation and investment goals.

Can I use equity in my existing home to buy an investment property?

Using existing property equity for investment purchases is a popular wealth-building strategy, but the approach varies depending on your financial position and goals. There are several structuring options available, each with different benefits and considerations. Our experts can assess your equity position and explain your options during a complimentary consultation.

How much can I borrow for a home loan?

Your borrowing capacity depends on various personal and financial factors. While general guidelines exist, your actual borrowing power is unique to your situation, income, and financial goals. The best way to understand your true borrowing capacity is through a personalised assessment. Contact us for a free consultation where we'll provide you with an accurate borrowing estimate tailored to your circumstances.

Can I refinance my existing home loan or investment loan to get a better rate?

Refinancing can offer significant benefits, but whether it's right for you depends on your current loan terms, financial situation, and future goals. Market conditions and available products change regularly, so it's worth having your loans reviewed. Contact us for a free loan review to see if refinancing could improve your financial position.

What deposit do I need for an investment property loan?

Deposit requirements for investment properties vary between lenders and depend on your overall financial profile. While there are general guidelines, your specific situation may open up different options or require alternative approaches. Let us assess your circumstances in a free consultation to determine the most suitable deposit strategy for your investment plans.

What documents do I need to apply for a home or investment loan?

Documentation requirements vary depending on your employment type, loan amount, and chosen lender. Rather than providing a generic list, we prefer to give you a personalized checklist based on your specific situation and loan type. During your free consultation, we'll outline exactly what documents you'll need and help streamline your application process.

What types of home loans does AXTON Finance offer?

We offer a comprehensive range of home loan solutions including owner-occupier loans, first home buyer packages, refinancing options, and specialised lending products. Every situation is unique, which is why we work with multiple lenders to find the right fit for your circumstances. Book a free consultation with our experienced brokers to discover which loan options best suit your needs and financial goals.

How long does the loan approval process take?

Processing timeframes can vary based on your situation, chosen lender, and current market conditions. While we work to expedite every application, each scenario is different. The best approach is to discuss your specific timeline needs during a consultation, where we can provide realistic expectations and work to meet your settlement requirements.

What is an investment property loan and how does it differ from a home loan?

Investment property loans are specialised financing solutions designed for rental properties. They have different requirements, benefits, and tax implications compared to standard home loans. The specifics can vary significantly based on your investment strategy and financial situation. Schedule a free consultation with our investment property specialists to understand how these loans work and whether they align with your investment goals.

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97% Loan Approval Rate

560 Reviews

21 Years of Experience