Investment Loans

Research and having the right people on your side are the keys when investing. We have access to hundreds of investment loan options.

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Whether it’s your first investment or a portfolio, we’re here to help.

Are you considering an investment property purchase or exploring entry into the stock market? Maybe you're looking to diversify your existing share portfolio. You will likely need an investment loan.

There are a wide variety of Investment loans available and the complexity of structuring your loan can become confusing. Investment loans often come with higher interest rates and fees due to the perceived elevated risk. However, don't let this deter you. Instead, reach out to us first. We can compare offerings from over 40 different lenders to secure the best possible return on your investment.

Our promise is to provide you with:


  • Expert Guidance: We provide expert advice to help you choose the most suitable loan type for your needs, ensuring your investment decisions are well-informed.

  • Extensive Comparison: With access to a wide range of lenders, we conduct thorough comparisons of investment loans, ensuring you gain access to the best possible options tailored to your unique requirements.

  • Guidance and Streamlined Process: We offer guidance on the intricacies and prerequisites of specific investment loans, simplifying the process and assisting you with the necessary paperwork.


Our services empower you to:

  • Achieve Your Investment Goals: Whether you're a first-time investor or expanding your portfolio, we help you realize your property investment goals.

  • Discover Optimal Loan Solutions: We identify the finest investment loan options for your unique financial situation and objectives.

  • Strategize Loan Structuring: We aid in structuring your loan to maximize benefits while minimizing risks.

  • Informed Decision-Making: Throughout your investment journey, we provide the advice and guidance necessary for informed choices.
  • Find out how much you can borrow

    In 60 seconds, understand how much you can borrow to buy your dream home.

    Get your Borrowing Capacity
    Image for Here are some tips to help you find the right rental and reap the most rewards:

    Here are some tips to help you find the right rental and reap the most rewards:

    Unit or house?

    House prices often increase in bigger strides than units, offering more potential for capital gain over time. But a rental home also comes with added responsibilities, including gardens and lawns (and sometimes a pool) to maintain.

    A unit or townhouse may not increase in value as quickly, but they are generally easier to maintain and may even be easier to rent for that very reason, depending on location, condition and size.

    Location, location

    Of course, you’ve heard this before. But location can mean different things when it comes to rental properties. Renters are often looking for maximum convenience so consider properties near schools, major shopping centres and public transport.

    Spend plenty of time researching target areas, including recent property price movements and future predictions, rental vacancy rates and any proposed infrastructure improvements. You should also do some scouting as if you were a renter to get a first-hand look at the local market.

    Remove the emotion

    One of the worst mistakes you can make with any investment is to buy with your heart instead of your head. Remember, your rental property is not your ‘home sweet home’.
    A well-presented property is desirable, but think sensible, not swank.

    Ideally, you want a neutral interior colour scheme, serviceable and resilient flooring and window coverings, a low-maintenance yard and good storage. And if buying an older style unit, look for one with an internal laundry, a garage or car space and few stairs (unless there’s a great view to be had higher up, which can add to the property value).

    Don’t forget the extras

    An investment property requires regular financial commitment beyond the loan repayments. Make sure you have the capacity to cover land and water rates and any maintenance and repair costs. Tenants are entitled to repairs or replacements as quickly as possible under their rental agreement, so you will need to have the means to pay.

    Apartments or units also come with body corporate fees, which can run to thousands in some modern complexes with professional landscaping and shared amenities, such as swimming pools.

    Cover your investment

    Make sure you take out landlord’s insurance. This will cover you for damage caused by a tenant and unpaid rent if a tenant skips out, in addition to other standard risks, such as a house fire or a storm.

    If you invest in a strata title property, make sure the body corporate has sufficient building insurance to cover the cost of rebuilding the complex in today’s prices. It’s often hard to work out what you need to cover versus what the body corporate covers. A good rule of thumb is everything from the wall paint inward is yours and everything outside of that is covered by the body corporate.

    Any interest?

    Many property investors take advantage of interest-only loans because interest payments are tax deductible. That means you’re taking a punt that the property’s value will increase over time, leaving you with a financial gain in the long run.

    This is a good strategy for high income earners who are taking advantage of negative gearing. If you choose to positive gear your investment (i.e. generate a profit from the rental income after costs), you might want to consider a principal and interest loan and use the profit to shave off the principal.

    Just remember, you will pay tax on any income from your investment. Talk to your accountant about your tax situation so your broker can find the right loan.

    Manage your investment

    Managing a property takes time and energy. If you don’t have much to spare of either, you should get a professional property manager to advertise the rental, screen and select tenants, collect and pay the rent, co-ordinate repairs and maintenance, provide condition reports and manage any disputes. Ask other local landlords for referrals for reputable managers.
    You should also conduct twice-yearly inspections yourself. Any associated costs, including travel and accommodation, are tax deductible.

    If you decide to self-manage, you will need to be well-versed on tenancy laws and prepared to organise repairs, including those that arise after hours.

    We understand every borrower has unique circumstances – and that some are more complex than others. We know from vast experience which lenders will work with investment customers who have more complicated requirements, and will negotiate on your behalf.

    Appreciate depreciation

    The ATO will give you a discount off your tax bill for wear and tear on property. It’s known as depreciation, and can be a very handy windfall for investors, especially if you buy a new property.

    The formula is quite complex and depends on the age of your property, building materials and the various fittings. That’s where a professional quantity surveyor comes in. For a fee (often around $600), they’ll assess the property and complete a Tax Depreciation Schedule, which your accountant will incorporate in your tax return.

    Taking ownership

    If you need both incomes to be considered in the lending equation, speak with us to get the right advice on the best ownership equation for your circumstances.

    Photo for Quote
    I've been happily using the services of Total Loans for almost 10 years. In that time they've assisted me with loans for my personal place of residence, multiple loans for investment properties, some which involved development/construction/subdivision, and establishing loans to suit a complex SMSF structure. Throughout my partnership with the Team at Total Loans I've always found them to be extremely professional and approachable, and they've consistently been able to find the best loan to suit my personal circumstances. If you're looking for a mortgage broker who's focused on finding the right loan for you, then give Russell and the Team at Total Loans a try, I guarantee you'll be happy with their service.

    David S, Perth

    BS

    Broker Studio

    Russell & Sharon are an excellent team to work with. Extremely responsive and with great attention to detail, they care for every outcome they are working towards. Highly recommend.

    TB

    Tessa Briggs

    We have used Total Loans for the last 3 houses we have purchased and we couldn’t be happier with the service they provided. Russell and Sharon went above and beyond for us, making every step of the loan process seamless. Their knowledge and expertise are outstanding. We couldn’t recommend them more!

    JH

    Joshua Hunter

    My partner and I were first home buyers completely new to the process and Russell helped us from start to finish. He presented a lot of good loan choices and answered all our questions without hassle along the way. We will definitely be recommending Total loans to family and friends in the future.

    Frequently Asked Questions

    What does a Mortgage Broker Do?

    A mortgage broker serves as a valuable intermediary between you, the borrower and the lenders. We have over 15 years in the finance industry and use our expertise and specialized software to secure competitive rates and facilitate a smooth mortgage settlement. At Total Loans, our mission is to safeguard your interests and expertly manage the entire mortgage process, so it is stress free and easy for you.

    Why don't I just go directly to my bank?

    Mortgage brokers are often able to offer better rates by negotiating with multiple lenders, while banks only present their own offers. We provide a detailed comparison report so that you can compare the features, rates and fees of the products of various lenders, without going to each bank directly, saving you time and money. We also have access to promotions through the broker network, such as discounted, application fees and interest rates.

    How does Total Loans ensure a professional service?

    As a Licensed Finance Brokerage, with our own Australian Credit License Number: 388425. We are required to always operate with a strict code of ethics and act with honesty and integrity, comply with all the laws and regulations relating to the Mortgage Industry and maintain confidentiality in all dealings. Total Loans has membership of several major industry and governing bodies to ensure that staff keep up to date with industry standards and changes. These include: Australian Finance Group, Australia's largest mortgage wholesaler (AFG) 
Mortgage and Finance Association of Australia (MFAA) 
Australian Financial Complaints Authority (AFCA)

    How long does it take to get finance approval?

    All Lenders have different turnaround times. The Lender you choose will depend on your situation and the urgency of your loan requirements. We will determine the loan that is right for you during our strategy session.

    How much can I borrow?

    Your borrowing capacity can vary with each Lender. All lenders have their individual serviceability calculators to assess how much you can borrow with them. At Total Loans we have access to most lenders calculators and can provide you with information on how much you can borrow with each lender. Some of the factors that lenders consider when assessing how much you can borrow include length of employment, deposit, guarantors, suitable security, previous repayment history, current debts ie personal loans, credit card/store cards.

    Can you help me if I have a poor credit file?

    There are lenders who are willing to consider applicants with defaults or poor credit conduct. However, this greatly depends on the details listed on your credit file and the extent of your credit score. Before recommending a lender, it is advisable we check your credit report.

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