Investment Loans

We will make sure that you have all the financial information behind you in order to make the best decision to support your future wealth creation.

Home Loan Services

Investing in Property

GA Finance - Investment Loans

It is one thing to buy a property to live in, but it’s another equally exciting process to take on the investment market. When property investors look at buying property for wealth, they look at it from a different angle to that of a home to live in.

Emotions need to be removed from the decision; you will be talking numbers, growth and future potential and looking at things purely from an investment perspective.

So before you can look to understand what the property market may hold for you, it is a must to understand your borrowing potential.

At GA Finance we won’t tell you where to invest, we have partners who can help you with that, but we will make sure that you have all the financial information behind you in order to make the best decision to support your future wealth creation.

How it works

So, you’ve decided to invest in property. Now what? Our financial experts will ensure you understand the options available to buy with an investment loan, and they’ll help guide your decision-making process along the way. We want our investors to feel confident in their purchases so they can enjoy the benefits of real estate ownership for years to come.

If you’re thinking about purchasing your first investment property, it’s important to speak with a finance professional as soon as possible. That's where we can help! The first thing we need to establish is if you are eligible for an investment loan. It's not as simple to get approved for an investment property these days. Banks now scrutinise your bank statements rather than just your income and deposit information. They want to double-check certain details, such as living costs, account behaviour, liabilities, and spending habits, through your bank accounts statements.
Step #1
Check your eligibility
If you’re thinking about purchasing your first investment property, it’s important to speak with a finance professional as soon as possible. That's where we can help! The first thing we need to establish is if you are eligible for an investment loan. It's not as simple to get approved for an investment property these days. Banks now scrutinise your bank statements rather than just your income and deposit information. They want to double-check certain details, such as living costs, account behaviour, liabilities, and spending habits, through your bank accounts statements.
Before you even begin thinking about how to finance your purchase, it's crucial to determine how much you can borrow. We have online calculators available on the website, but if you'd like more tailored information, call us at GA Finance and we'll be happy to help.
Step #2
Assessing your borrowing capacity
Before you even begin thinking about how to finance your purchase, it's crucial to determine how much you can borrow. We have online calculators available on the website, but if you'd like more tailored information, call us at GA Finance and we'll be happy to help.
This is where we earn our keep as your finance partner, as we'll help you determine which of our investment loan options will work best for you based on your long-term goals and repayment schedule. After you've decided on the best investment loan for your needs with GA Finance, we'll review your documents to make sure you qualify for the loan amount. Once it's all set, our team will submit your application on your behalf so you can get started on purchasing the property of your dreams!
Step #3
Choosing a lender and obtaining pre-approval
This is where we earn our keep as your finance partner, as we'll help you determine which of our investment loan options will work best for you based on your long-term goals and repayment schedule. After you've decided on the best investment loan for your needs with GA Finance, we'll review your documents to make sure you qualify for the loan amount. Once it's all set, our team will submit your application on your behalf so you can get started on purchasing the property of your dreams!
If you are buying a property with a mortgage, the financial advisor will go through all of the alternatives, including purchasing privately on a subject to finance clause, buying at an auction, buying unconditionally, settlement terms, and deposit choices.
Step #4
Purchase a property
If you are buying a property with a mortgage, the financial advisor will go through all of the alternatives, including purchasing privately on a subject to finance clause, buying at an auction, buying unconditionally, settlement terms, and deposit choices.
Next, the lender will need to assess the property's value after you've secured your investment property. After we submit the signed sale agreement and the completed appraisal, the lender should immediately grant approval and book the settlement for you to finally receive the keys to your new investment property.
Step #5
Bank Approval and Settlement
Next, the lender will need to assess the property's value after you've secured your investment property. After we submit the signed sale agreement and the completed appraisal, the lender should immediately grant approval and book the settlement for you to finally receive the keys to your new investment property.
Step #1 Check your eligibility
If you’re thinking about purchasing your first investment property, it’s important to speak with a finance professional as soon as possible. That's where we can help! The first thing we need to establish is if you are eligible for an investment loan. It's not as simple to get approved for an investment property these days. Banks now scrutinise your bank statements rather than just your income and deposit information. They want to double-check certain details, such as living costs, account behaviour, liabilities, and spending habits, through your bank accounts statements.
Step #2 Assessing your borrowing capacity
Before you even begin thinking about how to finance your purchase, it's crucial to determine how much you can borrow. We have online calculators available on the website, but if you'd like more tailored information, call us at GA Finance and we'll be happy to help.
Step #3 Choosing a lender and obtaining pre-approval
This is where we earn our keep as your finance partner, as we'll help you determine which of our investment loan options will work best for you based on your long-term goals and repayment schedule. After you've decided on the best investment loan for your needs with GA Finance, we'll review your documents to make sure you qualify for the loan amount. Once it's all set, our team will submit your application on your behalf so you can get started on purchasing the property of your dreams!
Step #4 Purchase a property
If you are buying a property with a mortgage, the financial advisor will go through all of the alternatives, including purchasing privately on a subject to finance clause, buying at an auction, buying unconditionally, settlement terms, and deposit choices.
Step #5 Bank Approval and Settlement
Next, the lender will need to assess the property's value after you've secured your investment property. After we submit the signed sale agreement and the completed appraisal, the lender should immediately grant approval and book the settlement for you to finally receive the keys to your new investment property.

Why choose GA Finance for your investment loan

We're with you every step of the way

Our focus is on customer service and we'll be there every step of the way from finding the right home to moving in, saving for your next home, or living your lifestyle dreams through other finance options.

Years of experience

We know what investors need and like to see in terms of finance deals. With us, it's all about you and your goals. We provide a range of flexible investment loan options designed to suit you based on your specific needs. It's all part of providing you with peace of mind.

Transparent and consistent service

We will always provide you with the best recommendations to help you make the right refinancing choice for your specific situation. We'll also always go through each product in detail with you and explain what is involved before you commit.

FINANCE IS CONFUSING - ASK AWAY!

Frequently asked questions

Yes, you can use equity in your existing property as a deposit for investment lending. Lenders will usually accept equity in a property as collateral against which they may be prepared to lend although it is dependent on the amount of equity you have and the value of the investment.

Property investing can be beneficial in many ways including: 

  • Rental income
  • Capital growth
  • Tax benefits

It’s recommended that you speak to financial advisor before considering property investment, in order to ensure you have the right plan for your future.

 

The loan that’s right for you is the one you’re most comfortable with, and can afford for years to come. Investment loans come in several forms. These are generally Variable, Fixed, and Split loans. Talk to us so we can help you make the right decision.

You shouldn’t have to be a
finance expert to get the best result.

We make the over-complicated seem easy, so you can walk away being the expert of your own finances.

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