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In recent years, many of Australia's lenders have raised their interest rates for investors. In addition, they have tweaked their policy, making the investment loan requirements more complicated. Your local Mortgage Choice broker can help you to understand the changes and make the process easier.
In March 2017, the Australian Prudential Regulation Authority (APRA) wrote to all lenders and asked that all interest-only loans be restricted to 30% of new residential mortgage loans.
In response, many of Australia’s lenders started to tweak their investment pricing and policy.
Throughout the first half of 2017, many of Australia’s lenders lifted the interest rates on their suite of investment products by as much as 40 basis points.
These rate movements follow similar adjustments by the banks in 2014 and 2015, after APRA called on the lenders to limit their level of investment activity.
Interest rates for many existing investors rose in 2017. If you haven't already taken action, now is an ideal time to talk to a Mortgage Choice broker to see if you could get a better deal.
While interest rates for investor loans have increased, home loan rates in general are lower than they've been in decades. You can still find a great deal, and our wide choice of lenders makes the process easy.
Each lender has different requirements in the area of investment lending. This means some lenders may require a higher minimum deposit. It's hard to know where to go to maximise your chances of having your investment loan approved. That's where we can help to explain your options.
Your local Mortgage Choice broker will compare hundreds of loan options from the lenders on our panel to find the right loan for you. So all you need to do is focus on maximising your investment returns.
We can compare hundreds of highly competitive investment property loan options from a wide choice of lenders, including the big four banks.
Our home loan service is no cost to you because the lenders pay us, so why not tap into our brokers’ expertise?
Your Mortgage Choice broker does all the legwork and running around to get you the right investment property loan for you.
Appointments to fit your busy lifestyle, at the time and place that suits you.
Unlike other investments like a term deposit or shares, property has the potential to deliver a return from day one.
By its nature, land is in limited supply and this helps to underpin long term growth in the value of residential real estate.
Australia offers a diverse property market that offers choices between different states and territories; apartments versus houses; and regional or capital city locations.