Investment Property Loans

Building a successful property portfolio starts with a powerful finance strategy. An investment loan is fundamentally different from a regular home loan—it's a tool designed to maximise your returns, improve cash flow, and accelerate your wealth creation goals. At Max Rich, we are your strategic partners in property, structuring finance that works as hard as you do.

Strategic Investment Loans for the Gold Coast Market

The Gold Coast presents incredible opportunities for savvy property investors, from high-growth corridors like Coomera and Pimpama to high-yield rental areas in Southport and Robina. To succeed, you need a mortgage broker who understands the investor mindset. We go beyond simply finding a low rate; we analyse your portfolio, advise on the right loan structures, and help you leverage your existing equity to expand your holdings. Let us build the financial foundation for your investment success.

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Our 6-Step Investment Finance Strategy

Our process is designed for efficiency and strategic advantage, helping you secure the right finance to act decisively on investment opportunities.

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1

Investment Goal & Portfolio Review

‍We begin by understanding your long-term wealth creation objectives, risk appetite, and current portfolio structure. This allows us to tailor a finance strategy that aligns with your goals.

2

Structuring for Maximum Return

‍We explore and recommend the optimal loan structure for your needs, whether it's utilising interest-only periods to maximise cash flow, setting up offset accounts to reduce non-deductible debt, or using a line of credit.

3

Securing Your Pre-Approval

‍In the fast-moving Gold Coast market, a pre-approval gives you the power to negotiate confidently and act quickly. We manage this process to ensure you're ready to buy when the right property appears.

4

Sourcing Investor-Friendly Lenders

‍We compare hundreds of products from over 60 lenders, focusing on those with favourable policies for property investors to ensure you get the best possible terms and borrowing capacity.

5

Efficient Application & Settlement

‍We handle the entire application and settlement process with precision and speed. We manage all the paperwork and lender communications so you can focus on your next move.

6

Annual Review & Portfolio Growth

‍Our partnership doesn't end at settlement. We provide annual reviews to ensure your investment loans remain optimised and help you strategise how to leverage your growing equity for your next acquisition.

Explore your loan options & their features.

The right features can significantly impact your investment's performance. Interest-Only loans are a popular strategy to maximise cash flow and tax deductions during the growth phase of an investment. A 100% offset account can be a powerful tool to reduce interest on your personal mortgage, while a line of credit can provide ready access to equity for future deposits. We'll explain these strategic options in clear, simple terms.

Variable rate loan

A Variable Rate Loan is a home loan where the interest rate can move up or down according to market conditions. Its greatest strength is flexibility.

Fixed rate loan

A Fixed Rate Loan locks in your interest rate for a set term, typically from 1 to 5 years. This means your repayment amount will not change for the entire fixed period, regardless of what happens in the market.

Split Loan

A Split Loan offers the best of both worlds by allowing you to divide your total home loan balance between two parts: one with a fixed interest rate and the other with a variable interest rate.

Packaged Loan

A Packaged Loan (or Professional Package) bundles multiple financial products, like your home loan, a credit card, and a transaction account, for a single annual fee.

Introductory Rate Loan

An Introductory Rate Loan (or 'Honeymoon' Rate Loan) is a variable rate loan that offers a discounted interest rate for an initial period, such as the first 12 months.

Interest Only Loans

An Interest Only loan is a strategic tool where your repayments only cover the interest on the loan for a set period (typically 1-5 years). This results in lower initial repayments, which is ideal for property investors looking to maximise their cash flow and tax deductions.

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Helpful calculators.

Explore your financial possibilities and understand potential costs with these handy calculators.

Borrowing Calculator

Use the calculator to find out how much you could borrow.

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Budget Planner Calculator

Use this budget planner to help understand your income and expenses, and where you could make savings.

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Extra Mortgage Repayments Calculator

You could potentially save thousands of dollars and take years off your loan by making extra repayments. Let’s run the numbers.

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Honeymoon Rate Loan Calculator

A honeymoon loan can help reduce your monthly repayments for a set term. Use this calculator to compare what your repayments would be compared to a variable loan.

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Income Tax Calculator

The income tax calculator can be used to calculate your net income.

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Loan Comparison Calculator

Different loans have different fees, features and repayment options. Use our loan calculator to see how the numbers stack up between two loans.

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Loan Repayment Calculator

Use this repayment calculator to understand how much your loan repayments might be.

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Lump Sum Repayment Calculator

This home loan repayment calculator helps you calculate the savings benefits of making additional lump sum repayments on your home loan.

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Mortgage Offset Calculator

Use the calculator to see how quickly you could pay off your loan with an offset account.

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Savings Planner Calculator

Use the calculator to find out how much you could save.

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Stamp Duty Calculator

Find out how much budget you need to set aside to cover Stamp Duty costs and what the requirements are in your state or territory.

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Frequently asked questions.

View our full FAQs
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Can you help me figure out my borrowing capacity?

Absolutely. Your borrowing capacity is a calculation of how much a lender will loan you based on your income, debts, and living expenses. While online calculators offer a rough estimate, we provide a far more accurate and reliable assessment. We will analyse your financial situation to give you a clear budget and help you secure a formal pre-approval, which is the green light you need to search for property with real confidence.

How does a bridging loan work?

A bridging loan is a short-term loan that covers the financial gap when you buy a new property before selling your existing one. It allows you to use the equity in your current home to secure your next one. Once your old home is sold, the proceeds are used to pay down the bridging loan, leaving you with just the final mortgage on your new home.

How long does it take to close?

The time it takes to close on a mortgage can vary, but it typically ranges from 30 to 45 days. Factors that can influence this timeline include the lender's processing speed, the complexity of the loan, and the responsiveness of all parties involved.

Tips for a Smooth Closing

To ensure a smooth closing process, maintain open communication with your lender and promptly provide any requested documentation.

How much can I borrow?

Your borrowing capacity depends on several factors, including your income, financial commitments, living expenses, and the size of your deposit. While online calculators provide a rough estimate, our detailed assessment provides a much more accurate figure. We do this as part of a formal pre-approval process, so you know exactly what your budget is before you start looking.

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How much deposit do I need to buy a property?

While a 20% deposit is the traditional benchmark to avoid paying Lenders Mortgage Insurance (LMI), it is not the only way to buy a home on the Gold Coast. Many lenders now accept deposits as low as 5%. We can also explore other powerful strategies, such as using a Guarantor Loan, or utilising government schemes like the First Home Guarantee to help you enter the market sooner.

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How to apply for a mortgage?

Applying for a mortgage involves several steps. First, gather necessary documents such as proof of income, tax returns, and credit history. Next, research different lenders and mortgage products to find the best fit for your needs.

Steps to Follow

  1. Gather financial documents.
  2. Check your credit score.
  3. Shop around for lenders.
  4. Submit your application.

Following these steps can streamline the mortgage application process.

Talk to us today about your options.

Let’s chat today and find the right solution for you. Whether you’re buying your first home, expanding your business, or upgrading your vehicle, Maxine and the Max Rich Brokerage team provide expert, obligation-free guidance across the Gold Coast, Logan, Brisbane, and the Scenic Rim, tailored to your goals.

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