Investment lending
Finance with your next purchase in mind.
A property plan needs a lending plan beside it. Understand what you can borrow, how the loan could be structured and what it means for your cash flow before you make an offer.
Credit assistance is provided by Fouracre Financial under its own authorisation and terms. Lending is subject to lender approval.
When it’s worth a conversation.
- You’re preparing to buy an investment property.
- You want to understand how existing equity might support a purchase.
- Your portfolio has grown and the loan structure needs a closer look.
Look at the whole picture.
Borrowing capacity is a lender assessment, not a spending target. Interest rates, loan terms and your own buffer all affect what a purchase will feel like over time.
Look beyond the approval amount.
An investment loan is one commitment within a household budget. Allow for purchase costs, ongoing property expenses, vacancies and changes in interest rates alongside your other plans. The amount a lender may approve can differ from the amount you are comfortable borrowing.
Loan structure also deserves attention before you apply. Your broker can explain repayment types, offset and redraw features, loan splits and security arrangements. Tax treatment is a separate question for your accountant; a loan feature alone does not establish deductibility.
Questions to take into the conversation
- How would the repayments change if rates increased?
- Which features would I use, and what do they cost?
- What would this borrowing mean for a later purchase?
Useful things to bring.
- Income and living expenses
- Current loans, limits and repayments
- Property details and your deposit or equity position
What happens next.
Fouracre can assess your position, compare suitable lenders and explain the proposed structure before an application.
InvestorKit Finance is not a credit provider or mortgage broker. Credit assistance is provided by Fouracre Financial under its own authorisation and terms. Your lender decides whether to approve an application. Other referral partners may be introduced where appropriate.
Your next step
Let’s start with your plans.
Book a conversation with InvestorKit. We’ll help you connect with Fouracre Financial when you’re ready.