Investment Loans
We have access to hundreds of investment loan options, let us help you with your investment loan
Rated 5 from 66 Reviews
We have access to hundreds of investment loan options, let us help you with your investment loan
Rated 5 from 66 Reviews
Investing in property can be a rewarding journey, especially for first home buyers and first-time investors. At New Level Lending, we offer access to a wide range of investment loan options from banks and lenders across Australia. Whether you are buying a home or expanding your investment property portfolio, understanding the nuances of investment loans can make a significant difference in your financial outcomes.
When applying for an investment loan, there are several factors to consider. Firstly, the interest rate is a crucial element that will affect your repayments. We provide options for both variable interest rates and fixed interest rates, allowing you to choose what best suits your financial situation. A variable interest rate can fluctuate with the market, offering potential savings when rates fall. On the other hand, a fixed interest rate provides stability and predictability over the loan term. Calculating investment loan repayments accurately is essential to ensure they fit within your budget.
Understanding lenders mortgage insurance (LMI) is also important. If your loan to value ratio (LVR) is above 80%, you may need to pay LMI. This insurance protects the lender if you default on the loan but adds to the overall cost. Therefore, considering how much deposit you have can influence whether you need LMI.
Your credit history plays a vital role in the application process. A strong credit history can lead to interest rate discounts and more favourable terms. Reviewing your credit history before applying for an investment loan is advisable to identify any areas for improvement. Additionally, your borrowing capacity will depend on factors such as your income, existing debts, and overall financial situation. Providing comprehensive bank statements can help lenders assess your ability to repay the loan.
Stamp duty and other buying costs should also be factored into your calculations when purchasing your first investment property. These expenses can impact how much you can borrow and your overall budget. At New Level Lending, we guide you through these considerations, ensuring a comprehensive understanding of all costs involved.
The streamlined application process at New Level Lending simplifies the journey from application to approval. We assist with every step, from calculating investment loan repayments to submitting your investment loan application. Our expertise in the property market helps you make informed decisions, whether you are entering the market or looking to grow your portfolio.
To summarise, accessing the right investment loan options is crucial for successful property investment. By understanding interest rates, LMI, credit history, and more, you can make informed decisions that support your financial goals. At New Level Lending, we are committed to helping first home buyers and investors like you succeed in the property market. Contact us today to explore how our tailored solutions can assist you in applying for an investment loan with confidence.
We handle the entire process, ensuring you save time and money. Our main goal is to help you secure the most suitable finance solution with minimal disruption to your schedule.
Initial Consultation
We discuss your financial requirements to determine how we can assist you best.
Needs Assessment
We identify your current needs, goals, and key priorities. We'll also discuss your future plans to ensure our advice aligns with your overall vision.
Research
We conduct in-depth research to find the most suitable finance solution from our extensive panel of lending institutions, tailored to your specific requirements.
Recommendation
We compile our findings and create a detailed Lending Recommendation designed to meet your needs. We'll review this with you, allowing us to refine the proposed solution.
Implementation
We execute the agreed recommendation, managing every detail of the loan application process. We'll keep you fully informed of your application's progress right up to settlement.
Settlement
We coordinate with all relevant parties to ensure a smooth and seamless settlement process. You'll be confident that every aspect of your loan application is handled with care and precision, with continuous updates throughout.
Post-Settlement Care
We understand that securing finance is just one step toward financial freedom. Our After Care program keeps you informed about market changes that may affect your borrowing costs or future lending plans. You can rely on us for regular mortgage advice and guidance at every stage of your financial journey.
Book AppointmentAK
Ang Kelly
Jake at New Level Lending is fabulous to work with. He’s always accessible, always keeps you updated on the progress of your loan and understands each individuals needs and requirements. I would 100% recommend Jake.
RP
Russell Pegg
We have recently engaged with Jake to help assist us with the purchase of our first home in Australia as the process seemed a bit daunting. Jake explained our options in plain English and was super supportive throughout the process. He was highly responsive and made the process simple so that we could enjoy looking for our new home.
LP
Layne Parker
As a first home buyer, I couldn’t have asked for a better broker than Jake! He made the whole process so quick and stress free, helping me find a house and guiding me through every step. Jake was always available and incredibly patient with every question I had making the process as a first home buyer so much less stressful. Definitely recommend Jake !
Yes we can and we've helped many clients in this scenario! Reviewing your home loan doesn't always mean switching to another lender. Sometimes it's a matter of us liaising with your bank and agreeing on a more competitive solution. We will; analyse your current loan structure, understanding what's available and liaising with your current lender.
As a homeowner, you know all about working hard. Now it's time to make your home work hard for you. We can help you leverage your existing equity by; maximising borrowing power and cash flow, preparing an application to the lender and ensuring your loans are structured well.
Yes! As moving into your first home is exciting, we guide you through the process and help you; access government grants including the First Home Owners Grant (FHOG), the home guarantee scheme, getting in with a lower deposit and avoiding lenders mortgage insurance.
Of course! If you've outgrown your home and are keen to move to something that better suits your lifestyle, we can help by; leveraging equity and repayment history, preparing the loan application (whether it's a home loan or construction loan) or structuring the loan to suit your needs.
As a mortgage broker, we have insight into the banks' closely-guarded lending policies, we can help you apply for an appropriate lender. We will; analyse your financials, understand your goals and help you determine the best match.
If your bank won't play nice, we can help facilitate the move to another lender. We do this by; assessing your situation and goals, scouring the market for suitable offers and preparing all the paperwork.
New Level Lending ABN: 96 661 507 384, New Level Lending Pty Ltd ABN: 96 661 507 384. Credit Representative #543337 is authorised under Australian Credit License #389328.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
Site by Broker Studio
