Investment loans
An investment loan needs to work within your broader plans. We help you understand the lending options and the practical trade-offs before you commit to a property purchase or refinance.
Structure before shortcuts
We’ll discuss your deposit or available equity, existing loans and income. Rental income, other commitments and lender assessment policies can affect what is available. An equity estimate is not the same as accessible borrowing capacity.
Look beyond the repayment
A realistic investment budget includes property management, maintenance, insurance, rates, strata where applicable and periods without rental income. Consider how the loan might perform if interest rates or your circumstances change.
Understand your repayment options
Principal-and-interest and interest-only loans have different cash-flow and long-term cost implications. Interest-only periods are limited, eligibility varies and repayments can increase when the period ends. We’ll explain the lending differences without treating one option as the default.
Bring the right advisers together
Your accountant, financial adviser and solicitor can help with tax, ownership structures and investment decisions. Bullet Finance provides credit assistance, not personal tax or investment advice. Get the relevant professional advice before choosing an ownership or debt structure.
Start with your plans
Tell Blake whether you are buying your first investment, adding to a portfolio or reviewing existing debt. We’ll identify the lending questions to work through. Approval is subject to lender assessment and eligibility.
Let’s work out what fits.
Tell Blake a little about your plans. We’ll take it from there, one clear step at a time.