Investment Loans

Buy your first investment property or expand your portfolio with an Investment Loan

When it comes to securing your future and stepping onto the property ladder, the myriad of options can be overwhelming. Investment loans stand out as a pathway to not just acquiring a property but also building wealth. At Margin Finance, located in the heart of Moonee Ponds, we specialize in tailoring investment loans that best suit your financial aspirations, whether you're diving into the property market for the first time or expanding your portfolio.

Why choose us? For starters, we connect you with a wide range of Home Loan options from banks and lenders across Australia. Our experienced Home Finance & Mortgage Brokers deeply understand the nuances of interest rates, lenders mortgage insurance (LMI), credit history, and the loan to value ratio (LVR) which are crucial elements in crafting a loan that suits your financial situation. We strive to secure not just any loan, but one that aligns with your goals, whether you're aiming for a variable interest rate for flexibility or a fixed interest rate for stability.

Applying for a home loan is a significant step. Our team simplifies this by offering a streamlined application process, guiding you each step of the way. From calculating your borrowing capacity to understanding how much loan amount you're eligible for, considering the stamp duty and other costs like LMI. Applying the right home loan option considering your credit history and financial standing is our forte. We also assist in gathering necessary documents like bank statements, making the application process as smooth as possible.

Furthermore, for those looking to maximize potential savings, we negotiate interest rate discounts, explore options like offset accounts that can reduce your interest payments, and walk you through the benefits of getting pre-approved. This pre-approval can give you a clearer understanding of your buying capacity in the competitive property market, making you a more attractive buyer.

For investment loans that empower you to make informed decisions, Margin Finance is your go-to. We understand the nuances of both fixed interest rate home loans for those who crave predictability and variable home loan rates for those seeking flexibility. Armed with this knowledge, our clients are better positioned to select a loan product that serves their long-term investment goals, ensuring they make the most out of the home equity they're building. Trust Margin Finance to navigate you through the intricate world of investment loans, turning your property dreams into reality.

Let's talk a bit more about a common topic: Investing in Houses over Apartments

Both options present unique advantages and potential challenges, making the decision not as clear-cut as it may initially seem.

1. The High Ground: Investing in Houses

Houses have long been considered a sound investment choice for those seeking substantial long-term capital growth. A house typically comes with the added value of land, offering the potential for renovations, extensions, or even subdivisions - all of which can significantly increase the property's worth over time.

Moreover, houses tend to appeal to families yearning for space, privacy, and a sense of community. This demand can result in higher rental yields, particularly in areas popular with families. However, the flip side of this coin is the higher purchase prices and ongoing maintenance costs associated with houses, requiring a more substantial initial investment.

2. The Compact Contender: Investing in Units

Units, on the other hand, cater to a different investor demographic. They offer a low-maintenance investment option, making them an ideal choice for investors who prefer a hands-off approach to property management.

Units often come with lower entry costs, making them an affordable stepping stone into the property market. Furthermore, units are typically located in central, high-demand locations, providing easy access to public transport, amenities, and employment hubs.

However, investors should be mindful of potentially lower rental yields compared to houses. Also, while units can provide excellent rental income, their capital growth potential may not match that of houses, particularly in areas where unit supply outweighs demand.

3. Location, Demand, and Your Investment Strategy

The choice between investing in houses or units hinges on several factors, including your personal investment objectives, budget, and the local market dynamics.

Research is crucial. Evaluate the demand for both property types in your target area, considering factors like vacancy rates, rental yields, and historical capital growth.

Your investment strategy also plays a pivotal role. Are you seeking steady rental income with moderate capital growth potential (units), or are you aiming for significant long-term capital growth with potentially higher rental yields (houses)?

Lastly, it's worth considering a diversified approach. Investing in a mix of houses and units can help spread your risk and provide a balanced portfolio.