Investment Loans

Investment Loans

Explore today’s top investment property loans in Australia — Universal Finance Corporation

Any Australian looking to get ahead financially knows that investing in property is a strategic move to build wealth and secure your financial future. At Universal Finance Corporation, we understand the importance of finding the right investment loan to help you achieve your goals and make your mark on the property market. 


Learn more about how Universal Finance Corporation can help you discover the best investment loan for your needs by getting in touch today. 


Personalised guidance and unmatched expertise — how Universal Finance Corporation can assist you 


Navigating the world of investment loans can be complex, but with Universal Finance, you're never alone. Whether you’re after a competitive fixed rate or the best interest-only investment loan, our experienced mortgage brokers are dedicated to helping you find the best loan options tailored to your needs. Here's how we support you:


  1. Comprehensive market analysis


Our brokers conduct thorough market research to identify the best investment loan solutions available. We compare interest rates, loan features and repayment terms from various lenders to ensure you receive the most competitive offer. This extensive analysis saves you time and effort, providing you with a curated selection of the best options.


   2. Personalised advice


Whether it’s your first or third investment property, Universal Finance Corporation understands that every investor's situation is unique. With more than 34 years of experience in the field, we have the industry expertise to easily adapt to your needs and preferences, ensuring you receive a loan that aligns with your investment strategy and long-term objectives. We can help you determine your borrowing capacity, the best loan type to accelerate your investment growth, and more. 


   3. Simplified application process 


The loan application process can be overwhelming, but our brokers streamline it for you. We assist with paperwork, ensure all necessary documentation is in order and liaise with lenders on your behalf to ensure you’re getting the best deal for your financial situation. Our goal is to make the process as smooth and stress-free as possible, so you can focus on growing your investment portfolio.


   4. Ongoing support 


Our commitment to your success doesn't end once your investment loan is approved. We offer ongoing support, helping you manage your loan effectively and providing advice on refinancing or adjusting your loan terms as your financial situation evolves. We're here to ensure your investment remains a sound and profitable venture today and for years to come.


Build a formidable investment portfolio with Universal Finance


Investing in property is a significant decision, and having the right investment loan can make all the difference in the path to success. At Universal Finance, our experienced mortgage brokers are here to guide you every step of the way. With more than $1 billion worth of loans settled, you can trust our experienced teamto guide you. 


Contact Universal Finance Corporation to discuss your investment loan options with one of our brokers today.



FAQs

  • What qualifies as an investment loan?

    An investment loan is a type of financing that is used to purchase property with the intention of generating rental income or capital gains. When applying for an investment property loan, the borrower expects the property's value to increase or produce regular rental returns to cover the loan's cost.

  • Are investment loans easier to get than owner-occupied loans?

    Not necessarily. In fact, many borrowers may find that investment loans tend to be more expensive than owner-occupied loans. Investment loan interest rates often feature higher interest rates and fees, which prospective investors need to budget for. However, by partnering with an experienced mortgage broker, they can help you find an investment property loan that offers minimal fees and competitive rates for your circumstances.

  • How much deposit do I need for an investment property loan?

    Like any owner-occupied loan, investors need to provide a deposit of at least 5% to be considered for an investment property loan. While the “golden rule” is to put down a 20% deposit, lenders have become lenient to accommodate the needs of borrowers and accept deposits below this. However, it’s important to keep in mind that deposits below 20% will incur Lender's Mortgage Insurance (LMI), an insurance that protects the lender in the event of repayment default.
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