Investment Loans
We have access to hundreds of investment loan options, let us help you with your investment loan
Rated 5 from 58 Reviews
We have access to hundreds of investment loan options, let us help you with your investment loan
Rated 5 from 58 Reviews
Investing in property can be a significant step towards building wealth, and understanding investment loans is essential for residents in Marrickville, the Inner West, and the Canterbury-Bankstown area, including suburbs such as Earlwood, Newtown, and Ashfield. At Raiti Finance, we provide tailored advice to help you access investment loan options from banks and lenders across Australia. Whether you're buying a first investment property or expanding your investment property portfolio, our expertise ensures you make informed decisions.
When considering an investment loan, one of the first things to evaluate is the different types of interest rates available. Investment loans typically offer both variable interest rate and fixed interest rate options. A variable interest rate can fluctuate with market conditions, potentially leading to lower repayments if rates fall. On the other hand, a fixed interest rate provides stability by keeping your repayments consistent over a set period. Understanding the pros and cons of each can help you choose the option that aligns with your financial situation and investment strategy.
Another crucial factor is the loan amount you can borrow, which depends on your borrowing capacity. This is influenced by your income, existing debts, and overall financial situation. Lenders will review your credit history and bank statements to assess how much they are willing to lend you. Your credit history plays a pivotal role here; a strong credit history might lead to interest rate discounts and more favourable terms. The loan to value ratio (LVR) is also important; this ratio compares the loan amount to the value of the property you wish to purchase. A lower LVR might reduce or even eliminate the need for lenders mortgage insurance (LMI), which can be a significant saving when applying for an investment loan.
The application process for an investment loan involves several steps. At Raiti Finance, we offer a streamlined application process to make it as straightforward as possible. Our experts will guide you through calculating investment loan repayments, considering factors like stamp duty and other associated costs. Additionally, understanding the property market dynamics in areas like Leichhardt and Balmain can aid in making strategic decisions about where to invest. Our team is equipped with local knowledge to help you make the best choice for your first investment property or when adding to your portfolio.
Applying for an investment loan requires careful planning and consideration of various elements such as your current financial situation and long-term investment goals. By partnering with Raiti Finance, you can access a wide range of investment loan options that suit your needs. We work closely with banks and lenders across Australia to find competitive Investment Loan Interest Rate options tailored for you.
Bringing it all together, investment loans are a key tool for those looking to thrive in the property market across Marrickville, Concord, and Strathfield, among other suburbs. At Raiti Finance, we are committed to helping you access the best investment loan options suited to your needs and goals. Our expertise ensures that every step of the investment loan application process is clear and well-supported. Reach out today to start your journey towards successful property investment with our dedicated assistance.
Initial Consult
Have a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps.
Fact Find
We'll work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a loan.
Pre Approval
Once you're approved, you can start bidding or making offers on properties you want to purchase.
Settlement
You settle on the property, your loan draws-down and you're good to go!
Book AppointmentGN
Gregory Nikolopoulos
I've been use Luisa for my home loan and her services was absolutely perfect thank you very much for your help Luisa I appreciate it I will recommend her services around of my friends and relatives.
DT
Dan Takotavuki
After going through so many Brokers, I finally got intouch with Luisa reading through some of the testimonials about their experience with Raiti Finance .I highly recommend Luisa Raiti. Her professionalism is exceptional. So knowledgeable and very helpful throughout the whole process. Was a very smooth transition into the new bank for Refinance. Thank you so much Luisa
dS
dan Safetly
Luisa provided exceptional service and professionalism throughout the entire process. She took the time to understand my needs, offered tailored advice, and went above and beyond to deliver outstanding results. Her communication was always prompt, transparent, and friendly, making what could have been a stressful experience completely seamless. I highly recommend Luisa to anyone looking for reliable and efficient financial support. Five stars well deserved!
Your borrowing capacity is dependent on a number of factors including the current interest rates, your income, your expenses, your existing level of debt and your credit rating. This will also vary from lender to lender. Reach out and we can properly assess your maximum borrowing capacity by analysing your financial situation.
We offer access to a wide range of products from various banks and lenders across Australia, so we can find the best fit for you. Our team will guide you through the application process, considering factors like loan amount, interest rate, fees, and repayment terms, all to ensure you make an informed financial decision.
Stamp duty is a significant added cost when buying property. Our team will help you understand how to manage these costs effectively, also unearthing any potential savings you can make with first home buyer grants or stamp duty waivers (if applicable.)
Yes, we certainly can! We can help with car loans, personal loans, self-managed superannuation fund (SMSF) loans, commercial loans, asset and equipment finance, refinancing and debt consolidation.
A good credit history is essential in securing better interest rates and higher borrowing capacity. However, if your credit history isn't perfect, we'll work with you to find alternative options that suit your financial situation. We consider factors like loan amount, lenders mortgage insurance (LMI), and loan-to-value ratio (LVR) when tailoring solutions for you.
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.
At Raiti Finance we are accredited with over 30 of Australia’s leading lenders. These include the major banks as well as 2nd and 3rd tier lenders who can accommodate more specialised lending needs.
There are three main reasons to use a mortgage broker:
- We have access to multiple lenders and loan products.
- We search for the best loan option to suit your individual needs.
- We do all the leg work to make the process fast and simple.
Raiti Finance is based in Marrickville in Sydney’s Inner West. However, we absolutely assist clients Australia-wide. The loan process can be completed remotely via phone, email and video call. If you live in Sydney, in the Inner West or Canterbury Bankstown areas, we are more than happy to meet you in person if you prefer.
A fixed-rate home loan offers predictable repayments with a set interest rate for a specified period (e.g., 2-5 years), while a variable-rate home loan has an adjustable interest rate that may change over time. We can help you choose the best option based on your financial situation and goals.
Raiti Finance ABN: 59 664 526 925, Raiti Finance Pty Ltd ABN: 59 664 526 925 is an authorised credit representative (Credit Representative Number 547924) of QED Credit Services PTY LTD (Australian Credit Licence Number 387856) .
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Names & Locations of users have been changed to protect their privacy and are illustrative only.
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