Investment Property Loans

Whether you're buying your first investment property or growing an existing portfolio, having the right finance strategy can make a big difference.

At EB Finance Collective, we help property investors navigate the lending process with confidence. We'll take the time to understand your goals, compare loan options from a range of lenders, and help you structure your lending in a way that supports your long-term plans.

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Finance that supports your investment goals

Every property investor's situation is different. Whether you're purchasing your first investment property, expanding your portfolio or refinancing an existing investment loan, we'll help you explore lending options that suit your circumstances.

We can help with:

  • Purchasing your first investment property

  • Building or expanding your property portfolio

  • Refinancing investment loans

  • Accessing equity to fund future purchases

  • Understanding lender requirements and borrowing capacity

Wherever you're at in your property investment journey, we'll help you understand your lending position and what your next step could look like.

We’ll help you with:

  • Understanding your property goals and borrowing power

  • Comparing investment loan options across a range of lenders

  • Managing your application from start to finish

  • Supporting you through approval and settlement

Your investment loan journey

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Frequently Asked Questions

  • Depending on your financial circumstances, the value of your existing property and the lender's requirements, you may be able to use some of the equity you've built up towards the purchase of an investment property.

    We'll explain how equity and usable equity work, what lenders generally look for and how equity may fit into your borrowing options. Any additional lending is subject to lender assessment and approval 🌸

  • The deposit you'll need will depend on your circumstances, the lender you choose and the type of property you're purchasing.

    Some lenders may accept a smaller deposit, while others may require a larger contribution depending on the application. It's also important to consider additional costs such as stamp duty, legal fees and other purchasing expenses.

    During your Strategy Session, we'll explain the lending requirements that may apply to your circumstances so you know what to expect 🤍

  • Both repayment options have their own features, and the most appropriate structure will depend on your individual circumstances, financial objectives and the lender's assessment.

    We'll explain how each repayment type works, including the differences in repayments, interest costs and loan structure, so you can make an informed decision about your lending options 🌸

  • Your borrowing capacity will depend on a range of factors, including your income, existing debts, living expenses, assets and overall financial position.

    Lenders may also assess existing rental income, anticipated rental income and other financial commitments differently.

    We'll review your circumstances and explain how different lenders may assess your borrowing capacity, giving you a clearer understanding of your options 🤍

  • In addition to your deposit, there are a number of upfront and ongoing costs to consider when purchasing an investment property.

    These may include stamp duty, legal and conveyancing fees, building and pest inspections, loan-related costs, council rates, insurance and ongoing property maintenance.

    We'll help you understand the lending-related costs involved in purchasing an investment property so you can plan with confidence 🏡

  • Depending on your circumstances and the lender's requirements, refinancing an investment loan may be an option.

    People refinance for a range of reasons, such as reviewing their current interest rate, changing loan features or restructuring their lending. Whether refinancing is appropriate will depend on your individual circumstances.

    We'll review your existing loan, explain the available options and help you understand the potential costs and considerations involved 🤍

  • Absolutely. Many people purchase an investment property as their first investment, although lender requirements will vary depending on your financial circumstances.

    Whether you're exploring property investment for the first time or looking to expand your portfolio, we'll explain the lending process, answer your questions and help you understand the options that may be available to you.

    Our goal is to make the lending process feel clear, supportive and a whole lot less overwhelming ✨

  • Investment lending can involve different lender policies, borrowing calculations and loan structures, which is why having someone guide you through the process can make a real difference.

    We'll take the time to understand your circumstances, compare lending options from a range of lenders and explain the features, requirements and considerations of each option in plain English.

    From your initial Strategy Session through to settlement, we'll be by your side to help make the process as smooth and stress-free as possible 🏡

Ready to start investing?

Whether you're buying your first investment property or growing your portfolio, we're here to make the lending process clear and straightforward.

emily@ebfinancecollective.com.au

Adelaide, South Australia