Investment Property Loans from the Best Mortgage Broker in Hawthorn

When you're looking to invest in real estate, securing the right investment property loan is crucial for your financial success. Our expertise in investment lending ensures that whether you're buying your first investment property or expanding your investment property portfolio, you'll receive tailored solutions that match your property investment strategy. We understand that buying an investment property requires careful consideration of factors like rental yield, negative gearing benefits, and long-term growth potential.

As the leading provider of Investment Property Loans from the Best Mortgage Broker in Hawthorn, AXTON Finance offers comprehensive support throughout your entire investment journey. Our streamlined application process makes applying for an investment loan straightforward, whether you're interested in purchasing a town house, apartment, or stand alone dwelling. We'll help you navigate complex considerations such as loan to value ratio (LVR), stamp duty implications, and lenders mortgage insurance (LMI) requirements. Our team works diligently to maximise your borrowing capacity while securing interest rate discounts that can significantly impact your investment returns over time.

The investment loan application process can seem overwhelming, but with Investment Property Loans from the Best Mortgage Broker in Hawthorn through AXTON Finance, you'll have expert guidance every step of the way. We'll assist with gathering necessary documentation including bank statements, calculating investment loan repayments, and determining the most suitable loan amount for your circumstances. Our extensive network allows us to access investment loan options that may not be readily available to individual borrowers, ensuring you receive competitive terms. Whether you prefer a variable interest rate for flexibility or a fixed interest rate for certainty, we'll help you choose the right investment loan interest rate structure.

Understanding the property market dynamics is essential when buying a rental property, and AXTON Finance's Investment Property Loans from the Best Mortgage Broker in Hawthorn comes with valuable market insights. We'll help you research property options that align with your investment goals and budget constraints. Our property investment loan features are designed to support various investment strategies, from capital growth focused purchases to high rental yield properties. The application process is tailored to investment lending requirements, recognising that investment properties have different assessment criteria compared to owner-occupied homes.

Choosing AXTON Finance for Investment Property Loans from the Best Mortgage Broker in Hawthorn means partnering with professionals who understand the complexities of investment lending. We're committed to helping Hawthorn residents build wealth through strategic property investment, providing ongoing support that extends beyond the initial loan settlement. Our comprehensive approach includes analysing your entire financial situation to ensure your rental property loan contributes positively to your long-term financial objectives. With our extensive lender panel and commitment to securing the best possible terms, we make property investment accessible and profitable for our clients across Hawthorn and beyond.

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AXTON Finance - Melbourne's Best Mortgage Brokers

Common Questions About Investment Property Loans

What makes AXTON Finance the best choice for Investment Property Loans in Hawthorn?

AXTON Finance stands out as the provider of Investment Property Loans from the Best Mortgage Broker in Hawthorn due to our extensive lender network and specialised investment lending expertise. We have access to investment loan options from banks and lenders across Australia, allowing us to secure some of the best interest rates and terms for our clients. Our streamlined application process and deep understanding of the property market ensure that your investment property loan application is handled professionally and efficiently. We recommend booking a Free Consultation to discuss how our services can benefit your specific investment goals.

How much can I borrow for an investment property loan?

Your borrowing capacity for investment lending depends on various factors including your income, existing debts, and the rental yield potential of the property you're purchasing. When you choose Investment Property Loans from the Best Mortgage Broker in Hawthorn through AXTON Finance, we'll conduct a comprehensive assessment of your financial situation. We consider factors like loan to value ratio (LVR), your ability to service the loan, and whether you'll need lenders mortgage insurance (LMI). The loan amount can vary significantly based on individual circumstances, so we encourage you to book a Free Consultation where we can provide personalised borrowing capacity calculations.

What's the difference between variable and fixed interest rates for investment loans?

When applying for an investment loan, you'll typically choose between variable interest rate and fixed interest rate options, each with distinct advantages for investment lending. A variable interest rate fluctuates with market conditions and may offer more flexibility with features like offset accounts, while a fixed interest rate provides certainty for calculating investment loan repayments over a set period. AXTON Finance, as the provider of Investment Property Loans from the Best Mortgage Broker in Hawthorn, can help you understand which investment loan interest rate type suits your property investment strategy best. We recommend scheduling a Free Consultation to discuss the current market conditions and your risk tolerance.

Do I need lenders mortgage insurance for investment property loans?

Lenders mortgage insurance (LMI) is typically required when your loan to value ratio (LVR) exceeds 80% for investment lending, though some lenders may have different thresholds. When you're buying an investment property with Investment Property Loans from the Best Mortgage Broker in Hawthorn through AXTON Finance, we'll clearly explain any LMI requirements and costs. The need for LMI depends on your deposit size, loan amount, and the lender's specific criteria for rental property loans. Our team can help you explore strategies to minimise or avoid LMI costs where possible, so book a Free Consultation to discuss your specific situation.

How do I choose between different types of investment properties?

Whether you're considering a town house, apartment, or stand alone dwelling, the choice depends on your investment goals, budget, and local property market conditions. When researching property options for investment lending, factors like rental yield, capital growth potential, and maintenance requirements are crucial considerations. AXTON Finance provides Investment Property Loans from the Best Mortgage Broker in Hawthorn and can offer insights into how different property types perform in the current market. We can also explain how various properties might affect your borrowing capacity and loan terms. To receive personalised advice about property selection and financing options, we encourage you to book a Free Consultation with our investment lending specialists.

What documents do I need for an investment loan application?

The investment loan application process typically requires comprehensive documentation including recent bank statements, tax returns, employment verification, and details about the property you're purchasing. When you choose Investment Property Loans from the Best Mortgage Broker in Hawthorn through AXTON Finance, we'll provide you with a detailed checklist tailored to your specific situation and chosen lender. Documentation requirements can vary between lenders and may depend on whether this is your first investment property or you're expanding an existing investment property portfolio. Our streamlined application process helps ensure you have everything prepared correctly from the start, so book a Free Consultation to receive your personalised documentation checklist.

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.

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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

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

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.

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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.

Rated 5 from 515 Reviews

David was amazing to work with. He helped us secure a loan with Bank of Melbourne to buy our family home. David is knowledgeable and made the buying process simple, keeping us updated every step of the way. Highly recommend David!

Natalie Tran

Today

Nicole was amazing to deal with. Her communication was exceptional and she made sure to thoroughly explain the process from start to finish. Nicole is professional and very knowledgeable and I would not hesitate to recommend.

Lisette Giles

a day ago

Adam Piper was outstanding in supporting us through our first investment property purchase. His guidance, clear communication, and support made the process well ordered. We couldn’t recommend Adam more highly, he’s fantastic at what he does.

Ryan Wilkes

2 days ago

Joyce and the team at Axton went above and beyond with the processing of our application until its approval. I would definitely recommend them and use their services again in the future!

kathryn guiao

This month

Nicole was fantastic. Helped us understand all of the steps in the process, was thorough, detailed and responsive. Was able to turn around a really short settlwment period with no fuss... high recommend

Matt O'Rourke

This month

Melanie Faoro (Senior Mortgage Broker) is an absolute gem, and I was so fortunate to be referred to her. Having worked with other brokers and loan specialists previously, I was often disappointed in that they would engage readily at first, but frequently withdrew when complexities arose. Mel was completely different. From the very start, she was clear about the challenges of my case, yet she remained dedicated to finding viable options. Her transparency was a factor missing in my past experiences. Mel stuck with me through a truly tireless journey, keeping me informed and in the loop every step of the way. She was consistently accessible and responsive for questions and follow-ups. Thanks to Mel's expertise, her kind and compassionate manner, and her unwavering dedication, I have finally reached the conclusion of my matter which is a massive source of relief. I cannot recommend her highly enough and look forward to working with her for my future needs. I will certainly be referring her to my friends and family.

Joyce Tam

This month

Joyce was fantastic throughout the whole process. Would recommend her to anyone looking for a fantastic broker

Ethan Davies

This month

I couldn’t recommend David Pelligra highly enough. He’s genuinely the best broker out there and made the entire process from start to finish an absolute breeze. David is incredibly knowledgeable and what I truly appreciated most was how fast he was with communication and getting back to me. If you’re looking for a broker who is efficient, honest, and always on top of things, David's your guy. Thanks again for your help!

Matthew Pozzebon

This month

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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