To be eligible for an investment property loan, you need a good credit history and available funds or equity for the deposit and associated costs. Investing in residential or commercial properties can boost retirement income or provide opportunities for family and friends, such as holiday accommodations.

Investment property loans generally carry higher interest rates and a restricted loan-to-value ratio (LVR) compared to loans for primary residences. Interest rates can be variable or fixed, and repayments can be structured as principal and interest or interest-only, depending on your strategy and goals.

At Alegio Partners, we help you secure competitive investment loans with favorable rates. Lower interest rates mean lower repayments, making your investment property more affordable. We also assist in minimizing loan fees and offer mortgage options with beneficial features like offset accounts.

An offset account allows you to build savings while reducing interest on your loan. This is advantageous if you plan to convert your primary residence into an investment property. Most expenses related to owning and maintaining your investment property, including loan fees and interest, are tax-deductible, providing potential tax benefits.

At Alegio Partners, we guide you through securing an investment property loan, ensuring you maximize financial advantages and achieve your investment goals.