Investment Loans

Investing in property is a significant step for many Australians, and understanding investment loans is crucial. At SAT Home Loan, we specialise in helping clients from Paramatta, NSW, and all over Australia access investment loan options from banks and lenders across Australia. Whether you're buying your first investment property or expanding your investment property portfolio, our expert services ensure you have the knowledge and support to make informed decisions.

Investment loan options can vary widely, and choosing the right one involves considering several factors. One of the primary considerations is the interest rate. This can be a variable interest rate, which may fluctuate with market changes, or a fixed interest rate, providing stability with set repayments over time. Both options have their advantages, and selecting the right one depends on your financial situation and long-term goals.

Another critical aspect of investment loans is understanding lenders mortgage insurance (LMI). This insurance protects the lender if you default on the loan but not the borrower. LMI usually applies if your loan to value ratio (LVR) is above 80%, meaning you’re borrowing more than 80% of the property’s value. Being aware of this can help you plan your finances better and avoid unexpected costs when applying for an investment loan.

Your credit history plays a vital role in your investment loan application. A strong credit history can not only improve your borrowing capacity but also make you eligible for interest rate discounts. Regularly checking your bank statements and ensuring timely payments can enhance your credit profile. Additionally, banks and lenders will closely evaluate your financial situation, including income and expenses, to determine the appropriate loan amount and terms for you.

Stamp duty is another expense to consider when buying a home for investment purposes. This government tax varies by state and territory, impacting your overall budget. Understanding how stamp duty affects your investment can help in calculating investment loan repayments accurately.

The application process for an investment loan can seem complex, but at SAT Home Loan, we assist with a streamlined application process. We help you gather necessary documents, such as proof of income and existing liabilities, to simplify applying for a investment loan. Our aim is to make the investment loan application as smooth as possible, allowing you to focus on seizing opportunities in the property market.

When considering an investment property portfolio, it's important to assess how each property fits within your long-term strategy. Our team can guide you through different investment loan options, helping tailor solutions that align with your objectives. Whether you're looking for flexibility with a variable interest rate or security with a fixed interest rate, we provide the expertise to make informed choices.

As you embark on this journey of property investment, SAT Home Loan is here to support you every step of the way. By offering guidance on everything from calculating investment loan repayments to understanding the Investment Loan Interest Rate, we ensure you are equipped to make confident decisions. Contact us today to explore how we can assist in accessing the best investment loan options tailored to your needs.

1. Strategy Consultation with Your Finance & Mortgage Broker

Your journey begins with a structured consultation, either in-person at our Parramatta office or online. We take the time to understand your goals, whether you’re buying a home, investing, or refinancing, and provide a clear roadmap of what to expect. You’ll leave this session with confidence, clarity, and a tailored strategy.

2. Detailed Financial Assessment & Borrowing Power Review

We conduct a comprehensive review of your income, liabilities, assets, credit profile, and equity. This helps us calculate your borrowing capacity and identify the most suitable structure. We also explain important lending concepts like LVR, LMI, and offset accounts so you’re fully informed before moving forward.

3. Tailored Loan Comparison Across 40 Lenders

With your goals and financial profile in hand, we compare home loans, investment loans, SMSF loans, and construction finance options from a wide panel of lenders, including major banks and specialist providers. We assess more than just rates, evaluating features, fees, flexibility, and alignment with your long-term strategy.

4. Application Preparation & Submission

Once we’ve selected the right loan product together, we manage the full application process for you. From collecting documentation to liaising directly with the lender, we handle the paperwork and communication—keeping you updated at every stage so you never feel in the dark.

5. Loan Approval & Contract Guidance

When your loan is conditionally or formally approved, we review the loan documents with you, explain key terms in plain language, and ensure you’re confident before signing. We also assist with timelines, lender requirements, and setting up your repayments in line with your cash flow.

6. Property Settlement & Handover

On settlement day, funds are disbursed and your property ownership is officially transferred. We work closely with your solicitor or conveyancer to ensure a smooth process. From here, your mortgage account becomes active and we’ll ensure you’re set up to manage repayments efficiently.

7. Ongoing Support, Annual Reviews & Future Planning

Our service doesn’t stop at settlement. We stay in touch with regular loan check-ins, refinancing reviews, and equity assessments to support your next move—whether that’s upgrading, investing, or restructuring. We’re your long-term financial partner, always here to ensure your loan continues to serve you.