Investment Loans

Buy your first investment property or expand your portfolio with an Investment Loan

At JAYA Finance & Mortgages, we understand the importance of making informed decisions when it comes to building your investment property portfolio. Located in the picturesque Mornington Peninsula, Victoria, we offer our clients access to a wide range of investment loan options from banks and lenders across Australia. Whether you're buying a home for the first time or seeking to expand your property market ventures, we are here to guide you through the complexities of investment loans.

Applying for an investment loan involves considering numerous factors, including interest rates, lenders mortgage insurance (LMI), and your financial situation. The interest rate is a key component of any loan, and choosing between a fixed interest rate and a variable interest rate can significantly affect your repayments. Our team will assist you in comparing these options to find the best fit for your investment strategy. Additionally, understanding the loan to value ratio (LVR) is crucial, as it impacts how much you can borrow and whether LMI is necessary.

Your credit history plays a vital role in the application process. A strong credit history can lead to interest rate discounts and a smoother application process. We help you review your credit history and advise on steps to improve it if necessary. Calculating investment loan repayments involves considering several variables, such as the loan amount, interest rate, and any applicable fees like stamp duty. We provide tools and advice to help you accurately project your borrowing capacity and plan accordingly.

When it comes to applying for an investment loan, having comprehensive bank statements and clear documentation can streamline the process. Our experts guide you through each step of the investment loan application, ensuring all paperwork is in order to avoid unnecessary delays. We focus on creating a streamlined application process that reduces stress and helps you achieve your property goals efficiently.

For those purchasing their first investment property, understanding the nuances of the property market is vital. The Mornington Peninsula offers unique opportunities, and we stay up-to-date with market trends to provide you with the best advice. Our team also assists with calculating potential returns and risks associated with different properties, helping you make informed decisions that align with your financial goals.

In summary, at JAYA Finance & Mortgages, we pride ourselves on offering personalised service when accessing investment loan options. Whether you're new to investing or expanding an existing portfolio, our expertise covers all aspects of the investment loan application process. We invite you to reach out and discuss how we can support you in achieving your property investment ambitions. Let us assist you in navigating the world of investment loans with confidence and clarity.

Getting an Investment Loan

1. Consultation with Your Finance & Mortgage Broker
Your journey to securing a property loan begins with an initial consultation. Whether you're buying a home, investment property, or commercial real estate, your Finance & Mortgage Broker will discuss your property goals, explain the application process, and assess your current financial situation. This meeting sets the stage for finding the right loan options. Your broker will also outline various loan types from banks and lenders across Australia, helping you access the best deals.

2. Financial Assessment
Your Finance & Mortgage Broker will thoroughly evaluate your financial situation, including your income, expenses, assets, liabilities, credit history, and home equity. This comprehensive assessment is crucial to determining your borrowing capacity and the loan amount you can apply for. Your broker will help you understand key financial terms like loan-to-value ratio (LVR), interest rate discounts, and lenders mortgage insurance (LMI) that might apply based on your specific financial position.

3. Exploring Loan Options
After assessing your financial situation, your broker will compare various loan products from multiple lenders, taking into account factors like interest rates, fees, repayment terms, and loan features. Your broker will also help you understand the differences between fixed and variable loan rates and the implications of each option on your future repayments. The aim is to find a loan that best suits your needs, whether you're looking for a home loan, investment loan, or a loan to fund another property purchase.

4. Pre-Approval Process
One of the first major milestones is receiving loan pre-approval. This process involves getting an initial indication from a lender regarding how much you may be able to borrow. Pre-approval helps you set a realistic budget and gives you more confidence when making offers on properties. It also strengthens your position in the local property market, showing sellers that you’re a serious buyer.

5. Submitting the Loan Application
After choosing the loan product that works best for you, your Finance & Mortgage Broker will assist you with the formal loan application. They will manage the paperwork, request any necessary supporting documents such as bank statements, and submit your loan application to your chosen lender. Your broker will liaise with the lender throughout the application process, keeping you informed about the progress and addressing any issues that arise.

6. Loan Approval & Final Steps
Once your loan is approved, your broker will guide you through the next steps. This typically includes reviewing the loan agreement, ensuring all terms and conditions are understood, and arranging for any additional insurance coverage, such as mortgage insurance. Your broker will also help you set up repayment options and advise on strategies for managing your loan effectively over time.

7. Property Settlement & Ownership
Once all the documentation is in order, the final settlement takes place. This is when the loan is formally advanced, and ownership of the property is transferred to you. If you’re purchasing a property, it’s recommended that you engage a solicitor or conveyancer to ensure the transfer goes smoothly. After settlement, your lender will typically offer online access to your loan, and you’ll begin managing your loan repayments, helping you stay on top of your financial commitments.

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Our Latest Reviews

Tamika Buckby

Jarrod, Steph and Kasey at Jaya Mortgages went above and beyond to help myself and my partner get into our first home. It was very stressful entering the property market for the first time but they were always there to put my mind at ease and answer any questions we had. They were very polite, understanding and held the most high level of professionalism you could ask for. I couldn’t thank these guys enough for helping us get over the line at settlement. If you were thinking of buying a home like us, we would definitely recommend speaking to this amazing team first :)

Megan Nash

Mark and myself couldn't be happier with the amazing hard work Jarrod,Steph and Kasey put in to get our finance through, they were always available if we had questions and talked us through the process of the paperwork. I highly recommend using YAYA Finance & Mortgages you won't be disappointed with the friendly staff and amazing work they do to get you the best deal. We will be using them again if we ever need anything to do with finance. Thanks again Jarrod,Staph and Kasey ????.

Georgia Kors

My husband and I had the pleasure of working with Jarrod, Steph, and Casey, and we cannot speak highly enough of their exceptional service. From the outset, the team demonstrated an incredible level of patience, expertise, and dedication, ...

Tristan Smyth

We couldn’t be more thankful of the services provided by Jarrod, Steph and Kasey at JAYA finance. We were able to secure an investment loan for a property that was perfect for us. They went above and beyond and responded to every question no matter how ridiculous. Would recommend to all family and friends.

Jean O'Loughlin

I have recently gone through the process of refinancing with JAYA Finance & Mortgages. Jarrod and Kasey were wonderful to deal with and made the entire process smooth and stress-free. Great communication along the way and everything was ...

Stephanie Schendzielorz

Jarryd has been great at helping us refinance, always in contact and even now, almost a year after our initial dealings, he is still in contact and always giving advise whenever we need it (and a better rate if he can get it). I definitely recommend JAYA Finance for all your mortage/finance needs.

We work with Australia's biggest lenders

Frequently Asked Questions

Why should I use a Mortgage Broker?

Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.

What kind of interest rates can you offer?

We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best suited home loans for our clients requirements & objectives.

Is there a cost to using a broker?

In most cases, no, our service is free to you. We're paid a commission by the lender once your loan settles, so there’s no direct cost for our advice or assistance. We’ll always let you know upfront if there’s ever a scenario where a fee may apply.

Can you only help with Home Loans?

We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans, Commercial Loans, SMSF Loans and much more. If you're looking to borrow to buy something, we can probably help.

Can you help First Home Buyers?

We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.

Can you help with refinancing an existing Mortgage?

Absolutely. Whether you're looking to refinance a Home Loan or Investment Loan, we can help you secure a more competitive rate. Many of our clients also use refinancing to consolidate debts and ease cash flow, especially important in today’s rising cost of living. We'll work with you to find a solution that suits your needs.

4 Skye Rd, Frankston VIC 3199

0407 756 192

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The trustee for THE JARROD ATTWOOD TRUST ABN: 24367216441. Credit Representative #396630 is authorised under Australian Credit License #384704 Attwood Financial Pty Ltd at The Jarrod Attwood Trust. ACN: 138 791 867.

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.

At JAYA Finance & Mortgages, we're Mortgage Brokers helping clients Australia-wide secure the right Investment Loan to buy an investment property