Investment loans are designed for individuals purchasing property for rental income or resale. Whether you’re a seasoned investor or buying your first investment property, Intuitive Finance is here to help. We understand the unique challenges investors face, and we can guide you through the complexities of choosing the right financing structure to protect your existing assets while helping you build new ones.
What are Investment Loans?
An investment loan is a loan designed for individuals purchasing property to rent to tenants or for those planning to flip (renovate and sell) properties. Investment loans differ from standard home loans as they often come with different interest rates, terms, and requirements. Securing the right investment loan is crucial for maximising your returns while protecting your existing assets.
Types of Investment Loans
Variable-Rate Investment Loans
A Variable-Rate Investment Loan offers flexibility, allowing your interest rate to fluctuate with the market. This can be beneficial if rates drop, reducing your overall interest payments. However, if rates increase, your repayments may rise, making this option ideal for investors looking for adaptability.
Fixed-Rate Investment Loans
A Fixed-Rate Investment Loan provides stability, locking in your interest rate for a set period, typically between 1 to 5 years. This predictability helps with budgeting and planning, offering protection against market rate increases. It’s well-suited for investors who prefer certainty in their repayment structure.
What’s Involved in Obtaining an Investment Loan Through Intuitive Finance?
Initial Meeting
A 1-hour session to establish your financial and lifestyle goals, discuss the fact-finding document, and agree on a timeline for its return.
Fact Finding Submission
We will submit the completed fact-finding document.
Strategy Submission
Within 5 days of receiving the completed fact-finding, a written strategy is submitted to you.
Document Lodgement
Within 2 days of agreeing to proceed, documents are lodged with the institution.
Conditional Approval
Expect conditional approval within 1 to 3 days of lodgement.
Unconditional Approval
Expect unconditional (full) approval within 2 to 4 days after conditional approval.
Loan Documents Arrival
Expect loan documents to arrive within 2 to 5 days after unconditional approval.
Loan Settlement
Expect loan settlement within 3 to 5 days after submitting the signed loan documents.
Complimentary Obligation-Free Consultation
Discuss your specific needs and discover the best financing options for you. Get in touch to
organise your complimentary 60-minute session today!
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Our Commitment to the Community
With every loan we settle, you can choose to support Challenge – supporting
kids with cancer, the Movember Foundation, or the Lungitude Foundation.
We donate $20 to your chosen charity and make annual contributions. It’s our
way of giving back and helping those in need.