At Sapphire Finance, we understand the complexities of investment property financing and are here to simplify the process for you. We'll guide you through the entire process, from finding the most suitable loan to securing the best interest rates. We make investment home loans simple, so you can focus on building your property portfolio.
Here’s why working with a finance broker like Sapphire Finance can benefit you:
Tailored Loan Options: We take the time to understand your financial position and investment goals, providing personalised loan solutions that suit your needs.
Access to a Wide Range of Lenders: As experienced finance brokers, we have access to an extensive network of lenders, giving you more options and helping you find competitive interest rates.
Expert Guidance: Navigating investment home loans can be complicated, especially with changing regulations. Our brokers provide expert advice, helping you make informed decisions at every step.
Faster Approval Process: Our team works closely with lenders to streamline the loan approval process, ensuring you get your loan as quickly as possible.
Ongoing Support: We’re not just here to help you secure your loan; we’ll continue to provide support throughout the life of your loan, offering advice if you wish to refinance or expand your portfolio.
An investment home loan is designed specifically for purchasing investment properties. It may have higher interest rates and stricter lending criteria compared to standard home loans, as lenders perceive investment properties as higher-risk assets.
Typically, you will need a deposit of at least 20% of the property’s value. However, this can vary depending on the lender and your financial situation. A broker from Sapphire Finance can help you explore your options and find lenders with flexible deposit requirements.
Yes, if you have sufficient equity in your current property, you may be able to use it as a deposit for an investment property. This can be a great way to expand your portfolio without needing a large upfront deposit.
Yes, many investors can claim interest payments on their investment home loans as a tax deduction. However, tax laws are complex, so it’s best to consult with an accountant to understand your specific situation.
Negative gearing is when the costs of owning a rental property (such as mortgage interest and maintenance) exceed the income it generates. In Australia, negative gearing can offer tax benefits, allowing you to offset these losses against your taxable income.
As a Brisbane-based finance broker, we have in-depth knowledge of the local market and a wide network of lenders.
Decades of expertise in personal and business borrowing means you benefit from a deep understanding of the lending market.
We’re passionate about what we do and always strive to deliver a great client experience.
We take the time to understand your financial situation and goals, offering bespoke solutions that truly meet your needs.
