Investor Loans
If you’re considering investing in the real estate market, Universal Finance can help you access a wide range of investor loans to get you started. Investing in real estate doesn’t guarantee returns, and comes with risk attached, but if you’re interested in investing in property then investor mortgages can give you the funding you need to buy residential or commercial properties. In the past, it has been difficult for people to get investor finance, with a long process from application to settlement. Universal Finance have streamlined the process and can match you to a lender quickly, so you don’t miss out on an opportunity.
Investor home loans for property investors
Universal Finance can help you find investor home loans for a number of different purposes, including:
Buy to Let
One of the most common types of real estate investment is in buy to let properties. It means you buy a residential property and then rent it out to generate income. There are two potential ways to make money from this. Firstly, you’ll receive monthly rent, which can be used to help pay back the mortgage, and secondly, in the long-term, the cost of the property may rise, so if you sell it down the line, you could potentially make a larger profit too.
Buy to let is popular in Australia as many areas have a shortage of properties, which has pushed up rental prices.
As with any investment, it’s important to weigh up the risks. You need to ensure you get the best investor mortgage rates, so you are making money each month. It’s also important to weigh up the cost of any void months, where you don’t have tenants in the property, and keep emergency funds for things like repairs or legal issues.
Property renovation
Some of our customers who are seeking investor finance will be looking at shorter term investments. You may be planning to buy an older property to either renovate or knock down and rebuild, with the aim of selling it on for a profit. Like buy to let, this can be risky. You need to ensure that the profit margins involved will make the project worth it. At Universal Finance, we find the best loans for real estate investors, and can find you a suitable loan for this kind of investment.
Commercial property investments
Commercial properties are also becoming an increasingly popular investment. One reason why some investors favour commercial properties is that the leases tend to be longer than residential ones, so you have a lower risk of properties sitting empty. However, mortgage investors still see these investments as being higher risk. This is because commercial investments are at the mercy of the market. For example, in the last few years retail space has become less sought-after, while warehouse space is currently rising in price due to online shopping.
We match you to the best mortgage investor
Finding an investor loan isn’t always easy, and the process can be a lot longer than finding a standard mortgage, as you need to find a mortgage investor who is willing to lend on the terms you want.
That’s why it’s worth coming to Universal Finance to fund your property investment. We’re not lenders, but rather brokers, so one application to us means you get access to our huge panel of lenders and their products.
We’ve streamlined the process to make things as quick and easy as possible.
- Simply get in touch with the team at Universal Finance for a quote or to make your application – you can call us on (03) 9088 8369 or click the ‘Get a Quote’ button to fill in your details
- We’ll take some details, but aim to make the application process as straightforward as possible
- Our team then look through our panel of lenders to find ones that match your profile, and we then find the most favourable loan for you in terms of interest rates and terms
- Once matched, we ensure the application is processed as quickly and efficiently as possible, with minimal paperwork and stress
- You then get your settlement as quickly as possible, so you can make your investment and don’t miss out
We know that the process of getting investor loans can sometimes take weeks, which is why we’ve tried to make it as simple as possible to get from application to settlement.
Find an investor loan, whatever your situation
You may be hesitant to apply for an investor loan due to a less than perfect financial history, or other issues that may have caused you to be rejected for credit in the past. Rest assured, Universal Finance are difficult loan specialists, and can help people in all sorts of situations. We’ll find a lender who is happy to help you out and make sure you get the best possible rate too, so you can start pursuing your property investment plans.
Universal Finance are a lender who specialise in matching people to the right financial products. If you’re looking for investor mortgages, we have a panel of hundreds of lenders, so one application gets you matched to the right lender quickly. To get started, all you have to do is pick up the phone and call us on (03) 9088 8369.
FREQUENTLY ASKED QUESTIONS
What is an investor mortgage loan?
Investor mortgages are a type ofmortgage that’s used to buy a property that you aren’t intending to live in. Astandard mortgage allows you to borrow money to buy a home, while investorloans cover a wide spectrum of situations, for example, buying a propertyyou intend to let out or buying a commercial property as an investment.
How do investor loans work?
The process of applying for an investor mortgage is alittle different to applying for a standard home loan. Because these loansoften come with more risk attached to them, you may find some lenders apply alot more scrutiny to your application, asking for lots of financial details andspending a long time processing your loan. However, if you apply throughUniversal Finance, we make the process as quick and easy as possible. Yousimply need to pick up the phone to get a quote, and we’ll guide you throughthe rest.
Is it hard to get a loan for an investment property?
In the past, it was typically hard to qualify for investormortgage loans. This is because some banks saw them as being high-risk, soeither made the process long and arduous, or charged higher rates for this kindof lending. Universal Finance have made it much easier to get an investorshome mortgage, as we’re a broker who works with hundreds of differentlenders. Make one application with us and we’ll match you to a financialinvestor who is willing to lend to you and who can offer you the bestpossible rate.
How much can I borrow to invest?
The amount you can borrow in an investors mortgage willdepend on many different factors. Each lender will have their own criteria andmaximum amount they’re willing to lend, so we’ll try to match you to a lenderwho can meet your needs. As a rough guide, lenders will usually lend up to 80%of the purchase price for a residential investment property and 70% for acommercial one, but you will sometimes find lenders who offer a higher LTV ifthey see it as a good investment.
How do business loans differ from investor loans?
Investor loans are taken out by people who wish to invest in an asset such as property. This may be a residential property that they plan to let out to cover repayments, or a commercial property that they’re going to use for their own business. A business loan is different, as the money borrowed from this kind of loan is used towards business expenses. Business loans sometimes have seed funding investors who also get involved with the business and offer support and advice, and they may get a percentage back from the businesses’ profits.
What are the interest rates on investor loans?
The interest rate on an investor mortgage loan will vary depending on the amount and length of the loan term, as well as the riskiness of the investment. Universal Finance act as a broker with access to hundreds of lenders, which means we can help you find an investor loan with the lowest possible interest rate.
How long are the terms on investor mortgage loans?
While a standard mortgage can run for 20 to 30 years, investor mortgage loans can have shorter terms. This is because, aside from buy to let, most property investments tend to be short term. You may also be able to choose to have a period where you only pay the interest on your loan, rather than the interest and principal. This can make your investment slightly riskier, as it means you aren’t paying back your loan, only the interest. But if your plan is to pay back the loan once you make money from your investment, then it may be worth considering.