Investment Loans

Buy your first investment property or expand your portfolio with an Investment Loan

At Sum Finance, we understand that investing in property is a significant step for both everyday Australians and high net-worth individuals. Whether you're looking to purchase your first investment property or expand your investment property portfolio, having access to the right investment loan options is crucial. Our expertise lies in helping you find tailored solutions from banks and lenders across Australia, making your property investment journey smoother and more informed.

When considering an investment loan, the interest rate is a crucial factor. It can affect the overall cost of your loan and your potential returns. At Sum Finance, we offer a range of options, including both variable interest rates and fixed interest rates, so you can choose what best suits your financial situation. Variable interest rates may offer more flexibility, while fixed interest rates provide certainty over repayment amounts. Our team can help you weigh these options and find a solution that aligns with your investment goals.

Understanding lenders mortgage insurance (LMI) is also important when applying for an investment loan. LMI is often required if your loan to value ratio (LVR) exceeds 80%. This insurance protects the lender in case you default on the loan. By improving your credit history and saving for a larger deposit, you can potentially avoid or reduce LMI costs. Our advisors can guide you through strategies to enhance your credit profile and help improve your borrowing capacity.

The application process for an investment loan involves several steps. At Sum Finance, we pride ourselves on offering a streamlined application process, ensuring that you have all the necessary documentation ready. This includes bank statements, proof of income, and a detailed understanding of your financial situation. Calculating investment loan repayments accurately is vital to ensure that your borrowing is sustainable and aligned with your long-term goals. We provide tools and advice to help you understand what you can afford, considering all factors like stamp duty and potential interest rate discounts.

Expanding your investment property portfolio requires careful planning and insight into the property market. By assessing different investment loan options, you can make informed decisions about how to finance additional properties. Whether you're looking at purchasing in a growing suburb or seeking to refinance existing properties, our team can offer expert advice tailored to your needs.

In conclusion, Sum Finance is here to support you every step of the way as you access investment loan options from banks and lenders across Australia. We are committed to helping you maximise your investment potential by offering personalised solutions and expert advice. Reach out to us today to discuss your investment goals and see how we can assist in making them a reality.

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In 60 seconds, understand how much you can borrow to buy your dream home.

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Getting an Investment Loan

Initial Consult

Have a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps.

Fact Find

We'll work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for an Investment Loan.

Pre Approval

Once you're approved, you can start bidding or making offers on your first investment property or the next property in your portfolio.

Settlement

You settle on the property, your Investment Loan draws-down and you're good to go!

Book Appointment

Our Latest Reviews

Faith Wignall

Richard was very helpful with promptly gathering the options to suit our budget at every step of the purchasing process. From initial discussions, to pre-approval, to purchasing, we were presented with the most competitive lending options that suited our evolving financial needs. This allowed us to feel confident knowing our finances were in order, to focus on the property search. Once we found the property that met our family's needs, we were able to move quickly to purchase. We managed to secure it at a lower price, so due to the lower borrowing requirement, Richard presented an even better loan option more favourable to our situation. Richard offered measured guidance, he listened to our needs and was prompt and efficient, while remaining calm and approachable, which put us at ease through the whole potentially daunting, process. We are grateful for Richards expertise, guidance and swift action to get us set up on our home owning journey.

Sam Horwitz

Richard was professional, efficient, and effective throughout the entire process. From our first conversation, I immediately felt confident in his expertise and trusted his advice. He guided me through every step of purchasing my first property, making even the most complex loan terms easy to understand. I truly couldn't recommend Richard's services more highly.

Charmayne

Richard was fantastic to deal with. He was readily available to answer my questions as they arose and turned around my approval in a matter of days. I would highly recommend Mantis Finance!

Maria K

Richard was very helpful throughout the process. I feel he took so much of the pain out of refinancing, finding and securing a good deal, as well as making the transition feel seamless. Thank you!

Jena Hastie

Great attention to detail in making sure we got the most suitable mortgage for our situation. Richard was extremely efficient and friendly!

Krowie

Financial services guidance generally by experience, is a HIT and MISS scenario ! In Richard we found an absolute HIT. Approachable and patient, learned and wise. A definite 5 star review. Great work Richard.

We work with Australia's biggest lenders

Frequently Asked Questions

Can you help with refinancing an existing Mortgage?

Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.

What kind of interest rates can you offer?

We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.

Can you help First Home Buyers?

We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.

Can you only help with Home Loans?

We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.

Why should I use a Mortgage Broker?

Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.

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Email Address

Level 9, 151 Macquarie Street Sydney 2000

0425260540

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COHEN FINANCE SERVICES PTY LTD ABN: 88 668 072 857. Credit Representative #564385 is authorised under Australian Credit License #389328

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.