Your First Investment Property
Understand your borrowing position, deposit requirements and potential loan structures before making an offer.
RESIDENTIAL PROPERTY FINANCE PROPERTY INVESTMENT
Build your property portfolio on a stronger finance foundation.
Property investment is about more than finding the right property.
Explore your finance positionFINANCE WITH PURPOSE
The way your investment loan is structured can influence your cash flow, borrowing capacity and ability to pursue future opportunities.
Whether you're purchasing your first investment property, expanding an existing portfolio or reviewing your current investment lending, StoneHaven Finance helps you understand your options and make informed lending decisions.
We compare investment loan options from our panel of banks and specialist lenders, considering your current financial position, property commitments and longer-term goals.
START WITH CLARITY
Start with a free Property Finance Health Check.
Before making your next property move, it can be valuable to understand where you stand. Our complimentary Property Finance Health Check can help you review:
- Your indicative borrowing capacity
- Existing property loans and commitments
- Available equity
- Potential deposit and upfront costs
- Investment loan structures
- Repayment and cash-flow considerations
- How a new loan may affect your overall lending position
The goal isn't simply to determine how much you can borrow.
It's about understanding what may be appropriate for your circumstances and how the lending fits within your broader financial position.
PROPERTY LENDING
Finance for your investment property.
Whether you're entering the property investment market or planning your next purchase, we can help you explore lending options for:
Portfolio Expansion
If you already own investment property, we can review your existing lending, available equity and indicative borrowing capacity for your next purchase.
Accessing Property Equity
Where appropriate, equity in an existing property may potentially be used towards the deposit and costs associated with another investment property.
Accessing equity involves additional borrowing and may increase your repayments and overall debt. The amount of equity that may be available will depend on factors including the lender’s property valuation, your existing loan balance, borrowing capacity and applicable lending criteria.
Investment Loan Refinancing
Review your existing investment loans to determine whether your current rates, structures and loan features continue to suit your circumstances.
THE LOAN STRUCTURE
Choosing a suitable investment loan structure.
Investment lending isn’t one-size-fits-all. The appropriate structure depends on your income, existing commitments, cash flow, investment objectives and overall financial position.
We help you understand the key differences so you can make an informed decision.
DEPENDING ON YOUR CIRCUMSTANCES, WE CAN COMPARE
- Fixed and variable rate options
- Interest-only and principal & interest structures
- Different loan terms and repayment options
- Offset and other available loan features
- Accessing equity and refinancing options
Interest-only repayments do not reduce the principal amount borrowed during the interest-only period. Repayments will generally increase when the loan changes to principal and interest, and the total interest paid may be higher. It is important to consider both the initial repayments and the longer-term cost of the loan.
HOW WE HELP
A simple investment finance process.
Property Finance Health Check
We review your current financial position, existing lending and investment objectives.
Assess Your Borrowing Position
We consider your income, commitments, available equity and indicative borrowing capacity, subject to lender assessment and approval.
Compare Lending Options
We compare available investment loan options from our panel of lenders and explain the key differences.
Structure Your Finance
We help you understand the available loan structures and how they may fit your circumstances.
Progress Your Application
If you decide to proceed, we help prepare and manage your application through lender assessment and, where formally approved, through to settlement.
INVESTMENT PROPERTY LOAN FAQs
Your questions, considered.
How much can I borrow for an investment property?
Your borrowing capacity depends on factors such as your income, existing debts, property commitments, available equity, living expenses and lender assessment criteria. We can help assess your position and explain what may be achievable.
Can I use equity in my existing property to buy an investment property?
Potentially. Depending on your property’s lender-assessed value, existing loan balance, income, financial commitments, borrowing capacity and lender requirements, available equity may be used towards the deposit and other costs associated with an investment property purchase.
Accessing equity involves additional borrowing and may increase your repayments and overall debt. We help you understand the lending implications before exploring whether this approach may be appropriate for your circumstances.
Should I choose an interest-only or principal & interest investment loan?
Both structures have different implications for repayments, cash flow, total interest costs and reducing your loan balance.
With an interest-only loan, repayments do not reduce the principal during the interest-only period. Repayments will generally increase when the loan changes to principal and interest, and the total interest paid may be higher.
The option considered should depend on your circumstances, investment objectives, repayment capacity and overall financial position.
Can I refinance my existing investment property loan?
Potentially. Refinancing may provide an opportunity to review your interest rate, loan structure, features or overall lending position. However, changing loans can involve costs and isn't always the right solution, so we consider the potential costs and implications before recommending a change.
Can I finance another investment property if I already have a property portfolio?
Potentially. Existing property loans, income, equity, expenses and lender assessment policies can all affect your borrowing capacity. We can review your current lending position and explore what options may be available for your next purchase.
Important Information
Property investment and borrowing involve financial risk. Property values and rental income can rise or fall, and you remain responsible for loan repayments even if the property is vacant or its value declines. Borrowing to invest can increase both potential gains and potential losses.
StoneHaven Finance provides credit assistance and does not provide property investment, financial, legal or tax advice. You should consider obtaining independent professional advice appropriate to your circumstances before making an investment decision.
Lending approval is subject to lender assessment, eligibility requirements, terms and conditions. Any borrowing-capacity or repayment figures discussed are indicative only and may change.
YOUR NEXT PROPERTY MOVE
Know your lending position before your next property move.
Start with a complimentary Property Finance Health Check. We’ll review your existing loans, commitments and indicative borrowing position, then explain lending options that may suit your investment plans.