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Ian Manieri

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Investment Home Loans - Investing in Property

Buying an investment property?

Investing in real estate is a great way to grow your wealth, especially with vacancy rates at their lowest ever. At Mortgage Choice Charmhaven, our experienced Central Coast based mortgage brokers can help you explore your options for investing in property.

We can determine if you have accrued any equity in your home and do all the legwork for you, from organising a valuation to refinancing your home loan if required. Many investors use the equity in their current home to invest. By borrowing some of the value of what you've paid off in your home, you can use that money to get started with your investment.

If you're considering using a Self-Managed Super Fund (SMSF) to invest in property, our team can also help you. Click here to learn more about how we can assist you with SMSF property investment. Contact us today to schedule an appointment with our expert mortgage brokers.

If you're considering purchasing an investment property, it's important to have the right financing in place. Working with a mortgage broker can simplify the process and potentially save you time and money.

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Refinancing an investment property

If you're an investor in the real estate market, you understand the importance of finding ways to save money and maximize profits. One way to do that is by refinancing your investment home loan.

Investment home loan refinancing can be a smart move for investors who want to save money on interest and monthly payments. By using a mortgage broker to compare loan options, you may be able to find a loan with better terms and rates. If you've built up equity in your investment property, you may also be able to do a cash-out refinance, which can give you access to funds for other investments or expenses.

Why use a mortgage broker to finance an investment property?

There are several reasons why using a mortgage broker can be beneficial when buying an investment property:

  1. Access to multiple lenders: Mortgage brokers have relationships with a network of lenders, giving you access to a wider range of loan options than if you were to approach individual lenders on your own.

  2. Expert guidance: Mortgage brokers are knowledgeable about the different loan products and can help you choose the best option for your financial situation and investment goals.

  3. Time-saving: Working with a mortgage broker can save you time by handling the application and paperwork process on your behalf.

  4. Potentially lower fees: Mortgage brokers may have the ability to negotiate lower fees and rates with lenders on your behalf.

Buying an investment property with a mortgage broker can help simplify the process and potentially save you time and money. With access to multiple lenders and expert guidance, a mortgage broker can help you find the best loan option for your individual financial situation and investment goals. If you're considering buying an investment property, consider working with a mortgage broker to help you navigate the process with ease.

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Tips to buying an investment property

Investing in property can bring great financial rewards, but it's important to do your research and plan carefully. Here are some tips for successful property investing:

  1. Crunch the numbers: Calculate all the upfront costs, maintenance bills, rates, insurance, and factor in about four weeks of vacancy per year to see if your finances can handle the cost.

  2. Know the market: Consult with the mortgage brokers at Mortgage Choice Charmhaven to determine your borrowing capacity and find affordable suburbs that are well-serviced by public transport and have local amenities like schools and shops. Being long-term residents of the Central Coast, our mortgage brokers have great knowledge of the market.

  3. Check the condition of the property: While a cheap property might seem tempting, tenants prefer living in well-maintained homes. Look for a property that is in good condition to attract long-term tenants and keep repair bills to a minimum.

  4. Have the right home loan in place: With so many investment home loans and features available, it can be overwhelming to find the right one for you. Our mortgage brokers can do the hard work for you and help you find the right investment loan.

At Mortgage Choice Charmhaven, our expert Central Coast mortgage brokers can help you with the right home loan for your investment property. Contact us today to book an appointment or call us at 02 4335 1405.

As your local mortgage broker in Charmhaven, we will go through all available options with you and get your investment plan started today! 

Book an appointment

Ready to chat to a mortgage broker now? Contact Mortgage Choice Charmhaven on 02 4335 1405, click on the Speak to us button at the top of the page or you can book in a time below for a Zoom meeting or book an appointment at our Central Coast office.

 

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