Property investment

Australians are big fans of investing in residential property. Generations have built their wealth on bricks and mortar, secure in the knowledge that residential real estate can deliver regular, tax-friendly rent returns and long term growth in value.

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Planning to invest? Get your free home loan quote today.

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Why use a Mortgage Choice broker?

  • Wide choice of home loans – get a great deal

    Access hundreds of loans from our wide choice of lenders, including the big 4 banks. We shop around for you and your broker can negotiate a competitive rate.

  • Our home loan service is no cost to you

    We can offer our home loan service at no charge to you because the lenders pay us a commission when the mortgage is settled. This doesn't affect the deal you get from the lender.

  • Expert advice

    The banks are competing hard for your business. Let us help you choose the right deal with expert advice at no cost to you.

  • Convenience

    Hectic lifestyles don’t leave time for long daytime meetings at the bank. We offer appointments at the time and place that suits you, including after work.

  • We do all the legwork

    From comparing home loan options to preparing the paperwork and supporting you through to settlement, your mortgage broker does all the running around.

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Property investor guide

Our free, downloadable guide explains the costs and steps associated with the purchase of an investment property, positive/negative gearing as well as pros and cons of houses vs. units.


Download now

Property investment FAQs

Investment properties have many benefits when building long-term wealth. If you take the time and select your investment properties well, property can deliver good returns for long-term investors.

If you are thinking of arranging loans to secure an investment property, consult with your local Mortgage Choice broker to secure a suitable loan that will help to minimise your risk and maximise your return.

There are few differences between what you need to do to borrow for a property you'll live in and for one you'll rent out. Some lenders charge a higher interest rate for investment properties because their risk may be higher. But this may not necessarily be the case.

If you’re unsure how an investment loan would potentially impact your financial circumstances, your local Mortgage Choice broker can help you to explore the implications.

If you've owned your own home for a few years, you could have built up quite a bit of equity in your property. Equity is the value of an asset not subject to any lender’s interest. For example, a property worth $500,000 with a mortgage loan of $150,000 has equity of $350,000. Instead of finding a cash deposit to buy an investment property, you could use this equity as the deposit.

When you buy a property, costs such as establishment fees, solicitor fees and stamp duty add up to several thousand dollars. Instead of trying to find cash to pay these fees, take them into account in your borrowings. That means you don't need thousands upon thousands of dollars in savings to get started. Find out more on how to minimise your cash outlay and consult with your local Mortgage Choice broker today.

A property is negatively geared when the costs of owning it – interest on the loan, bank charges, maintenance, repairs and capital depreciation – exceeds the income it produces. Simply put, your investment must make a loss before you can claim a tax benefit.

Aside from negative gearing, there are a host of other things to consider for successful property investments. If you want to find out more, talk to your local Mortgage Choice broker.

You can also positively gear a property. This occurs when the investment income exceeds your interest expense (and other possible deductions). Note that you may be subject to additional tax on any income derived from a positively geared investment.

You should also consider any other costs involved when deciding on your investment property strategy.

To discuss this further, find out more from your local Mortgage Choice broker.


Unlocking equity to invest

If you’ve owned your home for a few years, there’s a good chance you’ve built up some reasonable equity, and this can be a valuable resource when it comes to property investment.

We can help you to find out how much equity you have in your home, and how you might be able to use it to own an investment property sooner. Watch this quick video to find out more.

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