Find an Investment Loan

Great Investment Property Loan Solutions – Refinance or Purchase

An investment property home loan is what borrowers look for when buying an investment property or refinancing a current investment property loan to get a better interest rate or to extend an interest only period.

There are many ways to structure an Investment Property Mortgage. It can be stand alone or secured to another property. Rates can vary dramatically as they do with Owner Occupier mortgages. There are Fixed Rates, Interest Only Rates, Principal and Interest Rates (P&I) also the amount of equity and the security value can play a large part in the interest rates available.

Using a Mortgage Broker to source you a great Investment Property Home Loan is better than a bank as they have access to way more lenders and products including those for people with Bad Credit or a Low Credit Score. We often seek exceptions and rate discounts where possible for our clients..

Investing in property is often a rewarding wealth generation strategy than can help you have a comfortable retirement although it can also cause financial stress if the loan structure is not reviewed and set up right.

Chat with a WhiteStar Mortgage Broker today.

P&I / Interest Only calculator

Our Clients Say

Best brokers and service!Whitestar have been so easy to deal with, they did everything for me and kept me informed along the way! Smooth and easy process from start to finish - Can’t praise them enough

To say that Peter Sarris went above and beyond, would be an understatement. I was communicated with every step of the way, and never at any point was left doubting or questioning. Peter provided me with outstanding choices and I drove off not only with a brand new car, but with a brand new sense of security and faith in the finance that I took on my new vehicle, all courtesy of Peter. Could not recommend him, or WhiteStar enough!

Maria was sensational. Wealth of knowledge and understood my needs. the addition of Katerina made the process even smoother. from the beginning to the unconditional approval the communication was excellent

Excellent communication, friendly, accomodating, felt like I was treated fairly and so was the seller, first home buyer - Shelley was exceptional, made the whole process easy and took the stress out of it. Can only say positive things about Shelley and WhiteStar. Highly recommend.

Maria at Whitestar turned out to be our saviour! We were able to get our mortgage refinanced when all other banks had turned us down. Maria guided us at every step in getting our loan application approved and was extremely helpful and kind.

We used WhiteStar for both Conveyancing and Financing on our first home purchase. Liz was great to work with for Conveyancing. She patiently explained everything we needed to know and quickly answered any questions we had. Other brokers had failed to understand our financial position, but Kelly "got it" straight away and knew exactly which lenders to contact. Everybody we spoke with at WhiteStar was professional and helpful.

I highly recommend WhiteStar for their exceptional service and knowledge in the industry. Shout out to both my mortgage broker, Maria and Liz my conveyancer for being there the whole way and helping me get my house!

We dealt with WhiteStar for the loan and conveyancing on our house. Kelly, Liz & Katerina were beyond amazing to deal with. Each of them were so friendly, quick to respond to any queries we had, and broke down the technical jargon into language we could understand. They made everything so easy. We'd use them again in a heartbeat

Liz helped us buy and sell our investment property. Everything went smoothly and her professionalism was outstanding. If we do buy again, I will be using her as my Conveyancer

My experience was excellent Kelly was very efficient, her work is outstanding she was also very easy to talk to and always kept me updated I would highly recommend Kelly to family and friends Thanks Kelly very happy customer Carmel

Eric is the nicest person I have ever dealt with.

Eric from WhiteStar Group helped my partner and I to achieve our goals, becoming first home owners. We had a wonderful experience from Eric to the first phone call up until our last phone call to congratulate us with news of our first home settling. My partner and I highly recommend Eric if you are wanting to make your dreams become a reality. Eric was there every step of the way and was also very knowledgeable, helping us as we learnt along the way as first home buyers. We can't thank Eric enough as we didn't think this would be possible, we are so very grateful, THANK YOU!!!!!

Both myself and my partner were assisted by Kellie at Whitestar. What a positive experience we both had, Kellie kept us fully informed and up to date at all times and a huge thanks to Kellie and the team as we are now both settled in our beautiful home

This is the second time I have used Liz of WhiteStar for my conveyancing needs. As previously, she has done a magnificent job for me. She is highly efficient, communicates well with updates and explanations where required, and is always friendly and accommodating. And she knows her stuff! I highly recommend her to anyone who is undertaking a property purchase and/or sale.

Maria L and Katerina S provided excellent customer service, advice and gritted determination to achieve the very best results for our refinancing. Communication and the flow of information was exceptional throughout our refinancing journey which made it feel seamless. Maria’s wealth of knowledge on various home loan products, the structuring of the loan to suit, must be noted here as nothing short of excellent. Not only did we manage to re finance successfully but also secured an excellent rate in very challenging times. We thank you and highly recommend WhiteStar Group.

Worth every cent!We were very happy with Liz, our Conveyancer. She was knowledgeable, highly responsive and on the ball at all stages, which made the process of buying our property super smooth and effortless (as much as buying a property can be). I can confidently recommend Liz (& Whitestar) to anyone looking for a good conveyancer who knows their stuff, she's worth every cent for the peace of mind!

We have been dealing with WhiteStar for years, once again WhiteStar/Peters service was impeccable!Consolidate all of our debt, to make it more manageable.

Peter from Whitestar Group truly went above and beyond. His customer service and focus are of the highest standard. Everything was communicated well and in a timely manner. All paperwork is digital and easy to complete. I would highly recommend them. Thank again Peter. I truly appreciate you.

I am astounded at how hard Maria Lyons and Kelly Flight had to work to get me this loan. Being in a small country town where most banks wouldn't touch it. They jumped through all the hoops and never gave up hope even when it seemed like a lost cause. I am so grateful to these 2. Their positivity held me together in this truly stressful time. The whole team at Whitestar were amazing super friendly admin, Shelly was always so helpful, bright and cheerful. Thanks everyone 5 stars. I am stoked with my new home.

Best staff! Great staff and communication from the beginning right through to the end. They went the extra mile for sure to get our purchased settled.

The team at Whitestar are incredible, efficient, proactive and informative. Thank you Kelly Flight, Elizabeth Alexander and Katerina Szabo an absolute pleasure doing business with you.

I wish I could give Eric K. and Kat S. TEN stars. These Guys have helped me to make the whole process of consolidating my debt and refinancing my mortgage soo pleasant and easy, despite a couple of initial hiccups. I highly highly recommend! Cannot say enough good things here

Maria and Kat were so helpful. This was first time ever using a broker and I was so nervous. But these two wonderful people took me through everything in such an organised professional manner. My worries went right out the window with our first conversation. From that point on, I had no stress and not one worry. I would recommend using this broker service and in particular Maria and Kat to anyone and everyone. I cannot thank them both enough. Going forward, I will never use any other company. Many many many thanks from one very very grateful and satisfied customer.

This was a very good experience to deal with a professional team especially Eric Kusno, well spoken and very clear professional broker to his expertise figures on home loans and well spoken Katrina Szabo, who strives on professional service and nothing is a problem and the office staff it was the best service I have ever had .Thanks a million guys.

Amazing service! Peter was fantastic to deal with easy and extremely helpful. I have used Peter in the past and will again in the future. The whole process was smooth. Happy with all the loan, rate etc.

Thoroughly recommend Whitestar & in particular Kelly. The whole process of refinancing our home loan was easy from start to finish. Kelly gave great advice & fully informed us of all options allowing us to choose the best loan available with the best rate. We were kept informed throughout the whole process & was very happy with how quickly the loan was arranged & approved. Thanks Kelly & Whitestar

Peter Sarris was very knowledgeable with his advice and experience. Very professional, and a really fast and easy process. 100% recommend his services.

I can’t speak highly enough of the level of service, attention to detail and commitment from Maria and WhiteStar team in assisting me in obtaining loan approval from my preferred lender, all at a very competitive rate and under pressing circumstances! They were fully invested in ensuring I achieved my goal and secured my dream property. Thank you Maria, Katerina and the team!

Eric, Liz, Katerina and the team at WhiteStar were fantastic in guiding me through my first home buying experience. The team were extremely helpful answering any questions and ensuring I was well informed all steps of way. Thank you for all your help and support.

We had a fantastic experience with Peter at WhiteStar Group! He was incredibly helpful in guiding us through the process of securing our car loan. Peter's professionalism and expertise made the whole process seamless and stress-free. He was always available to answer our questions and provided clear, useful advice every step of the way. Thanks to Peter, we are now enjoying our new car without any hassle. We highly recommend his services to anyone looking for financial assistance. Huge thanks, Peter, for all your help!

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Can I use equity to buy an investment

Depending on the balance of your existing home loan, many borrowers choose to use the equity in their home to buy an investment property. Equity is the difference between how much your home is worth and how much you owe on it. For example, if your home is worth $700,000 and you owe $400,000 you are left with $300,000 in equity. The more you pay off your mortgage, the larger your equity balance grows. Many borrowers will use this equity as a deposit for an investment property. Subject to approval criteria, equity can also be used to make additional purchases such as a new car, holiday, or home renovations.

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Can I use a Self Managed Super Fund (SMSF) to invest

Another funding strategy to buy an investment property is to use a SMSF. A SMSF is a private super fund that you manage yourself. To find out how to set up and invest with a SMSF you need specialized advice. Our brokers can explain the process and loan options but we cannot provide financial advice.

Learn More about Loans using your super

What is the benefit of using a mortgage broker instead of going directly to the bank?

Almost 70% of all loans in Australia are facilitated by brokers in Australia. Brokers offer a personalised service which is often hard to find when you deal with a big bank. When you apply directly with the bank how do you know that you are getting the best rate possible? Chances are you don’t. When you work with a broker, you benefit because your broker will help you compare loans from different types of banks, big and small. Brokers also have the inside knowledge and experience to inform you which loan will give you the best chance of getting approved.

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Do I choose Interest Only for an Investment Loan?

Interest-only home loans only require interest repayments, therefore, the repayments are lower. Traditionally, interest-only loans are often used by investors for investment property loans. The term of interest only is typically 1-5 years. This is to allow investors to make minimal payments on a debt that is deductible while they can pay off their own home. The principal amount is not a deduction which is why investors often opt to pay interest only.

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Find an Investment Property Home Loan – Use a Broker, Better than a Bank

Great Investment Property Loan Solutions – Refinance or Purchase

P&I / Interest Only calculator

Our Clients Say

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