Residential Investment Loans
Lowest Interest Rates, Borrow up to LVR<95%
Property Investment Loan Solutions that Power Your Portfolio Growth
Maximum Access of Equity
Turn the value in your current home into a deposit for your next investment
Get More Borrowing Power
We find lenders who look at your rental income ddifferently, so you can borrow more
Simple & Less Paperwork
Self-employed? We offer low doc options without mountains of tax returns
Better Cash Flow
Interest-only options available to keep your monthly costs low and your profits high
Fast Approvals
We get your loan moving in days - not weeks
Your Bank Isn’t Lending You as Much as You Could Access?
Whether it’s your first rental or fifth, we find the right loan to help you grow your portfolio faster. VOXFIN is the place where you can grow your property wealth with stress-free investment.
Strategic Portfolio Restructuring Designed for Long‑Term Growth
Get the right and high-impact portfolio restructuring strategy & planning that helps you grow your property portfolio many fold.
You do not have to be a finance expert to grow your property portfolio. We make investment property finance simple for you. From finding the lowest rates to managing the paperwork, we handle all the heavy lifting.
Ready to start your investment journey?
Investors Choose VOXFIN for Expert Investment Loan Guidance
Strategic Debt Reduction
Get your loan structured, eliminate debt faster, and build equity sooner.
Turning a "No" into a "Yes"
We specialise in complex cases - from credit impairments to unique income types.
Market-Leading Rates
We hunt for the lowest interest rates - Your investment is profitable from day one.
Unlock Your Property's Value
Get a professional portfolio review to see how much lazy equity you can put to work.
What You Need to Know About Investment Loans
Leverage Your Property Equity
You can have an obligation-free valuation of your existing property to understand your overall equity position.
This helps you -
- Determine if you could lean on your requirements for your home loan
- Access your equity to invest in building your property portfolio
- Make informed decisions about your investment capacity
Tailored Investment Home Loan Solutions
We strive to provide investment home loan borrowers with suitable options that include –
- Market-leading features designed for investors
- Ongoing support over the long term
- Expert guidance through the buying process
Whether you wish to buy and invest immediately or invest in a rental property, VOXFIN’s home mortgage brokers in Australia can help you –
- Obtain maximum borrowing potential
- Navigate the complexities of investment property financing
- Guide you through every step of the buying process
Low Doc Investment Property Loans
We help match real self-employed individuals offering tailored low-documentation loan options.
These loans are ideal if –
- You are not fully prepared with all the financial documents for a full doc loan
- Regular home loans are often not granted with ease
- You need flexible documentation requirements
- Say “No” to rejection!
We have home loan deals for people with –
- Bad credit scores
- Impaired credit scores
- Bad credit scores, defaults, etc.
Setting Up for Success - Key Considerations
Your strategy
Looking for long-term growth or monthly rental income? We match your loan to your personal goal.
Tax benefits
Investment debt is different from home debt. We work to make sure your loan is set up to be as tax-friendly as possible.
Planning ahead
We don't just look at this purchase. We make sure this loan doesn't stop you from buying your next property.
Safety buffers
We help you calculate a safety net, so you are always covered even if your property is vacant for a while.
Get a cash back up to $4000 when you refinance*
For Investment property loans, you are choosing VOXFIN for:
- Maximising your Borrowing Power
- Internally negotiated lowest interest rate
- Access to the latest offers from the banks
- The best mortgage broker in Australia will guide you throughout
- Our clients' high satisfaction ratings made us Australia's best home loan mortgage broker
We believe getting an investment loan should never be a headache. At VOXFIN, we ensure you get genuine support from property experts, meaning a clear path forward. We ensure you have access to the best deals on the market!
Are you ready to explore your options?
Frequently Asked Questions (FAQS)
Questions and queries related to Investment Property Loans
The main distinction lies in the property’s purpose. Owner-occupier home loans are designed for individuals who will live in the property, while investment loans are intended for those who plan to rent it out to others. Lenders offer different loan products based on the property’s purpose.
Investing in property is a popular choice for many Australians, as it is easier to understand compared to other forms of investment such as shares, bonds, and ETFs. Home loan rates are currently at record lows, and you can utilise your home's equity to finance your property investment.
Some benefits of purchasing an investment property include:
- Potential tax benefits for property investors
- Potential for capital growth
- Relatively stable investment
- Opportunity for passive income
When you buy an investment property, you may encounter the term “negative gearing”. This refers to borrowing money to invest.
If you borrow to make an investment, it can be either negatively geared - when interest repayments exceed net income, or positively geared - where net income exceeds repayments.
Negative gearing means that the cost of owning an investment property is higher than the rental income it generates. For example, if your rental property earns $25,000 in one year and the expenses of owning the property (loan repayments, body corporate fees, maintenance, etc.) are $30,000, you will have a loss of $5,000, which you can claim as a tax deduction.
One benefit of negative gearing is the ability to claim tax deductions and reduce your taxable income. Additionally, a negatively geared property investment may appreciate in value over time.
It’s important to note the risk involved in negative gearing because you are losing money. You’ll need to be aware of this to budget and prepare for the losses.
To calculate the profitability of an investment property, you can use either the weekly or monthly rent to determine the annual rental income. After that, subtract the annual costs. Divide this total by the property’s purchase cost and multiply by 100 to get a percentage. This will give you the rental yield, which helps you assess the return on investment.
If you're considering investing in property, whether through buying or building, you'll need to think about getting an investor home loan. There are two primary options: interest-only loans and principal and interest home loans. Each option has its own advantages and disadvantages. Click here to learn more.
An investment loan allows for interest-only repayments for up to 5 years from the settlement date.
You can avoid paying a cash deposit by using your home equity to purchase a second property. Accessing this equity is made easy through a mortgage refinance, which also enables you to potentially secure a better interest rate.
Normally, you will need to provide a 20% deposit (which is an 80% loan-to-value ratio (LVR)) for an investor home loan in order to avoid paying lenders mortgage insurance (LMI). However, it is possible to put down as little as a 10% deposit to purchase an investment property.
Remember to inform us when you change your home from an investment property to your primary residence. You may also need to notify other relevant parties, such as the Australian Taxation Office (ATO), as property expenses like interest payments may no longer be tax deductible.
Please inform us if your circumstances change and you decide to convert your owner-occupied home into a rental property. This is important to ensure that you have the appropriate financial product and so that we have your most up-to-date personal data for maintaining your loan compliance.
Get started.
Talk to our Investment Property loan specialist.
Better loan options, personalised guidance, faster approvals.
Why choose us?
We understand the importance of earning your trust in the guidance provided by the investment property mortgage experts at VOXFIN. We can assist you with investment property loans as well as other financial lending needs, such as refinancing home loans, car loans, commercial loans, and insurance.
Additionally, we can assist with organising financing to start or grow your business and fund your assets. Our services for finding the right home loan are free of charge to you. Once your loan is settled, the lender compensates us. About Us
VOXFIN's expert investment property home loan mortgage brokers are here to help you with all types of financial needs. We simplify the loan process and provide the right information and guidance so you can make sound investment decisions.
We assist Australians throughout the nation. We work with over 40+ lenders in Australia to bring you the best loan option with the lowest interest rate and the most appropriate home loan structure to grow your property portfolio.
Get a Free Consultation
info@voxfin.com.au
03 70652000 | 0435 393 623
At VOXFIN, we are committed to being with you at every step in your home loan process. We keep your best interests ahead of everything by providing comprehensive solutions powered by our solid industry expertise and deep financial knowledge. This ensures you can confidently make an informed decision, knowing that you have our full support.
Our streamlined home loan borrowing process is designed to alleviate the stress of navigating the complexities of finding the best home loan solution. We’re here to secure the lowest interest rates on your owner-occupied home loan or investment property loan, making the process as smooth and convenient as possible for you.
