Investment Property
What is an Investment Property Mortgage?
An Investment Property Mortgage is a loan designed for purchasing properties intended to generate rental income or capital gains. Whether you’re a seasoned investor or new to property investment, this mortgage allows you to leverage your financial position to build wealth through real estate.
Silverstone Financial will help you in this process from start to end, ensuring you secure the right investment loan for your goals.
Why Do I Need This Service?
Investing in property can be a lucrative way to grow your wealth, but it’s essential to have the right financing in place. Here’s how Silverstone Financial can assist:
Maximise Your Investment Potential
By securing a mortgage tailored to investment properties, you can optimise your returns and manage cash flow effectively.
Access to Competitive Rates
We work with a wide range of lenders to find the best interest rates and terms for your investment property.
Leverage Equity
Use the equity in your existing properties to fund new investments, expanding your portfolio without additional capital.
Expert Guidance
Navigate the complexities of property investment with advice on structuring loans, tax implications, and market trends.
Simplify the Process
From pre-approval to settlement, we handle the paperwork and negotiations, making the process seamless and stress-free.
How Much Can I Borrow?
The amount you can borrow for an investment property depends on several factors:
- Loan-to-Value Ratio
For new builds, most lenders will require a 20% deposit, meaning a maximum LVR of 80%. For existing properties, the deposit requirement is typically 30%, resulting in a maximum LVR of 70%.
- Income and Expenses
Your income, existing debts, and living expenses will be assessed to determine your borrowing capacity.
- Property Value
The value of the property you’re purchasing and any existing properties you own will influence the amount you can borrow.
- Lender's Criteria
Different lenders have varying requirements and policies, so it’s beneficial to explore multiple options.
Documents You'll Need
To facilitate the mortgage application process, you’ll typically need the following documents:
- Proof of Income
Recent payslips, tax returns, or financial statements if self-employed.
- Identification
Valid passport or driver’s license.
- Property Details
Sale and purchase agreement for the investment property.
- Existing Property Information
If leveraging equity, details of current properties, including mortgage statements.
- Bank Statements
Recent statements to assess financial health.
Our team will guide you through the documentation process to ensure everything is in order.
Why Choose Silverstone Financial for Investment Property Mortgages?
Investor-Focused Strategy
We understand what drives property investors — yield, growth, and cash flow. We structure loans to support your short- and long-term investment plans.
Tax-Efficient Lending Structures
Our experts work with your accountant or advisor to ensure your loan structure aligns with tax and ownership goals.
Multi-Property Portfolio Knowledge
Whether it’s your second property or tenth, we help you leverage equity and set up finance that grows with your portfolio.
Market Insight That Matters
We combine lending expertise with knowledge of market trends to guide smarter investment decisions.