Investment Loans

Borrowing capacity assessed
Your income, existing debts, rental income, and expenses are assessed to determine how much you can borrow.

Loan pre-approval recommended
Pre-approval helps you understand your budget and strengthens your position when making an offer.

Higher deposit requirements
Investment loans often require slightly larger deposit compared to owner-occupied loans, but not always. At GKM we continually research and keep abreast of which lenders offer the highest lend against your property security.

Formal approval after contract
Once a property is secured, the lender completes a valuation and issues final approval.

Loan settles at purchase
Funds are released at settlement, ownership transfers, and the investment loan begins.

Repayment options available
Loans may be interest-only or principal and interest, depending on your strategy and lender policy. Some lenders offer a maximum of 5 years interest only, where as some lenders will offer up to 10 years interest only.

Ongoing reviews and strategy changes
Your loan can be reviewed as your portfolio, income, or investment goals evolve.

Access to investment-friendly lenders
Brokers know which lenders are flexible with rental income, multiple properties, and complex structures.

Strategic loan structuring
Advice on offsets, splits, and loan purpose to support tax efficiency and future purchases.

Maximise borrowing capacity
Brokers help structure loans to preserve serviceability across multiple investments.

Compare rates and features across lenders
Access to a broader market than approaching a single bank.

Navigate lender policy changes
Brokers stay across lending rule updates that affect investors.

Manage the application and approvals
Handling valuations, paperwork, and lender communication to avoid delays.

Support portfolio growth
Ongoing reviews to help adjust strategy as your investment portfolio grows.