Home loans investment
Home loan investment

Home loan investment options available for clean credit and bad credit applicants with any degree of credit impairments. We offer up to 95% full doc, 90% low doc and 85% no doc home loan investment through bank and non bank lenders LMI can be capitalized up to 97% LVR. Unlimited amount of home loan investment available through multiple lenders for clients with various profiles. Depending on location and type of securities maximum loan per security restricted by LVR and degree of credit impairments. Home loan investment can be suitable for refinance, debt consolidation, equity release or constructions. Up to 10 years interest only term available with bank loans and up to 5 years interest only term available for non bank loans. The finance group offering first contact resolution service for all clients 24/7. Right decision for home loan investment can generate profit and increase your wealth. Please submit an inquiry to commence free assessment.


The finance group have achieved 99% approval rates for any type of mortgages in past 7 years record because:
  1. We do a complete pre-assesment of the loan application to find best possible options for the client.
  2. We obtain all related veda reports and property reports upfront to safe guard the approval of the loan.
  3. We have access to all popular lenders in mortgage industry including 10 private lenders to assist the client with their loan requirements.
  4. We have created strong relation with our lenders through approval of our loans in pas years.
Home loan investment can be a very easy process to obtain if you have clear idea about lending policy and if you are aware what you are eligible for. Shopping for loan can create adverse record on your credit history and restrict you to obtain finance in future. We strongly recommend to have a professional advice for your home loan investment decisions.

Indicative offers for Home Loan Investment:

All home loan investment rates quoted bellow are subject to changed by lender. To find the appropriate quote for home loan investment please submit an inquiry to commence a free assessment process. All costs quoted are estimation only.

 Interest rate
Bank loans Full doc: 3 years fixed rate from 4.83% up to 80% loan
variable rate is from 5.09% with up to 1.1% discount for life of loan.
Bank loan Low doc: 3 years fixed rate from 4.99%
variable rate from 5.19%
Non bank loan : starts from 6.5% and change depending on full doc and low doc loan, rate increase for higher LVR and degree of credit impairment.
Please submit an inquiry to know current rate for home loan investment.
 SecurityStandard Residential properties in any populous areas. Depending on lenders postcode guide different lender categories property locations in different way and allocate maximum LVR for the location.
Vacant land is acceptable for eligible borrowers only, depending on location of the property.
Please submit an inquiry
to know maximum LVR available for your property location
 Full Doc/Low Doc/ Acc-Letter
  • Full doc- 95% LVR subject to LMI over 80% loans
  • Low doc-90% LVR subject to risk fee. ABN 6 months minimum.
  • Low doc-80% LVR Subject to LMI over 60%-70% Bank Loan ABN 12-24 months.
  • No doc- 85% LVR subject to risk fee 12 months ABN accountant letter.
 Maximum Loan amount
Maximum Loan per security:
  • Loan involve LMI low doc or full doc- $1mil
  • unlimited where no LMi involve.
  • Loan involve risk fee low doc- $1.5 mil <=75% LVR $1mil 90% LVR.
  • Lona involve risk fee no doc- $1.5 mil <=75% LVR $1mil 85% LVR.
  • Maximum loan per applicant $2.5 mil where bank loan can be
 Minimum Loan amount
 $50,000- $100,000 depending on lender.
 Credit history
  • Up to $1000 paid default can be ignored for eligible bank loans.
  • 1 day bankruptcy considered with LVR restrictions.
  • Paid defaults up to $750-$1000 ignored for non bank loans
  • Defaults listed >2 years not counted for rate load
  • Mortgage arrears count if not paid in 30 days.
  • Past 12 months credit inquires need to be explained.
  • All defaults and arrears need to be with acceptable explanation.
Depending on above lender assign impairment level and offer interest rate and maximum loan available.
 Loan Term
 2-30 years
 Repayment options
P&I or IO up to 10 years
 Lenders Application fee

 For bank loan fee can be up to $600 or more.
For non bank loans application fees is included on the risk fee
 LMI
  •  Full doc over 80% bank loans
  • Low doc over 60%-70% bank loans
  • No non bank loans involve LMI
 Risk Fee
1%-2.1% or the loan amount depending on lender, LVR and degree of credit impairment.
 Our Brokerage
Negotiable depending on amount of loan, amount of work and complex nature of loan requirements.
 Other costs
  • For bank loans we account up to $3000 other cost that vary sometimes.
  • Other costs for nonbank loans are quoted to client at cost by the lender. Legal cost, mortgage registration, documentation fees, title insurance, settlement fees altogether allow up to $3000-$4000 depending on the lender and current government rates.
  • Most of above we disclose on our credit quote after selecting the lender.
  • Some of the above are not ascertainable until the settlement agent quote for the costs.
 Proof of Income
Full doc loans 2 years full financials with tax returns are mandatory. Notice of assessment is not required for some lenders.
Low doc bank loans 12 consecutive months BAS's is mandatory, recent 6 months trading statements may be required.
Low doc non bank loans 3-6 months trading account statement is mandatory.
No doc debt consolidation home loans only accountant declaration and borrower's repayment declaration required.
 Other supporting documents
Mandatory for all applicants:
  1. 100 point ID is mandatory for all applicants and guarantors for the loan.
  2. Asset and liability for need to be signed by all applicants.
  3. Most up to date council rates need to be provided for all properties.

Refinance:

  1. Most recent 6 months mortgage statements for all mortgages being refinanced.
  2. Most recent statements for other mortgages.
Debt consolidation:
If any other loans are consolidating client need to provide up to 6 months statement for secured or unsecured debts depending on the lender.
Lender may ask for extra documents during the assessment process depending on the strength of the application.
Please submit an inquiry  to commence free assessment for your home loan investment.
 ValuationLenders operate independent valuation of the offered security. Bank loans usually offer first valuation for free. For non bank loans valuation is done at cost quoted to the client.
Upfront valuation is also available at client cost.

More about home loan investment:

We offer home loan investment for various kind of credit impairment issues both for full doc, low doc and no doc clients.We have helped clients to invest in property using only accountant declared income to get their loan approved. Having a bad credit can restrict your investment decision for several reasons. As a result we offer a free assessment to help you make your investment decision. When you plan for home loan investment having bad credit history or using low doc or no doc options you need to consider following issues to make your investment profitable in future:


1. Do you have enough saved deposit or equity on your existing property to do a purchase at present ?

2.Doyou have enough data to analyze trend of the property market to find how the equity of your investment will grow over the period. What are the risks associate with the market to give you an idea to believe at the end of certain period you will be able to sell the property and make profit.

3. Bad credit history can cost you extra on interest rate or increase your initial outlay for finance. Do you have complete information and estimation to work out how your investment will become profitable considering your actual financial facts and figures.

4.Low doc home loan can involve a huge amount of initial outlay if you do not have enough deposit and your loan is over 60%-70% value of your property. Have you considered all available options to get the best deal available for you.

5. Will your rent cover your mortgage repayment or most of it ? do you have enough surplus income to pay monthly commitments for your loan ?

6. What type of payment option is suitable for you considering your present income and expense situation to have the best benefit out of your investment.

The finance group have been assisting clients for a long to achieve their investment goal using best low doc home loans options. We have also helped client with bad credit history to make their investment decision sooner.

submit an inquiry to commence free assessment for home loan investment now..

Home Loan Investment ( Our Track Records) :

The finance group have been helping clients in different states in Australia for past 7 years to obtain home loan investment through wide range of lenders. We have numerous clients in Sydney, Melbourne, Brisbane, Adelaide, Perth and all other state and Territories of Australia. We have resolved critical and complex financial needs of our client offering them home loan investment options. Clients are happy with our service because we have access to wide range of lenders for home loan investment and we give clients all alternative options they have, before they make an educated decision to select home loan investment options.

From our experience we can advice that home loan investment can be most suitable and profitable solution for some clients according to their present financial situation and loan requirements. As we have access to 10 different private lenders for home loan investment,we always make sure clients get the best possible rate with minimum cost for finance. We also take full responsibility to assess and process the application and minimize all risks to get their home loan investment application declined. As a result we have achieved 99% approval rate for all types of mortgages.

Some times short term mortgages are suitable solution for some clients other than doing long term home loan investment.We also have access to numerous private funds to have short term mortgage solutions when it is necessary to become eligible to obtain long term home loan investment options in future

Whatsoever is your financial situation, whatsoever is your loan requirements we request please submit an inquiry to commence a free assessment process for home loan investment.