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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How will you decide which loan is best suited to my circumstances?

Our recommendation is based on a combination of your personal situation and our legal obligation under the Best Interest Duty. We conduct a detailed analysis of your financial goals, income, and needs. We then use this information to compare hundreds of products from over 60 lenders, assessing not just the interest rate, but also fees, features, and lender policies to find the loan we believe is genuinely best for you.

Should I buy or sell first?

This is a common dilemma for those moving to their next home. Selling first provides financial certainty, but you may need to rent temporarily. Buying first secures your dream home, but often requires a bridging loan and carries more financial risk. We can act as your strategic partner, assessing your financial situation to help you choose the best and safest path for your Gold Coast property move.

Should I rent or buy?

This is a major financial decision with pros and cons on both sides. Buying allows you to build equity and provides long-term stability, while renting offers flexibility and fewer responsibilities. We can help you understand all the costs and financial commitments involved in buying a property on the Gold Coast, giving you the clarity to make an informed decision that’s right for you.

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Should I use a bank or broker?

A bank can only offer you its own limited range of products. As your mortgage broker, we offer you a choice from over 60 different lenders. We work for you, not the banks. Our role is to understand your unique needs, compare the market to find a suitable loan, and manage the entire process from application to settlement, saving you time and stress.

What are the types of mortgages?

There are several types of mortgages available to borrowers, each with its own features and benefits. The most common types include:

  • Fixed-Rate Mortgage: The interest rate remains the same throughout the life of the loan.
  • Adjustable-Rate Mortgage (ARM): The interest rate may change at specified times, usually resulting in lower initial payments.
  • Interest-Only Mortgage: The borrower pays only the interest for a certain period, after which they begin paying off the principal.

Choosing the right type of mortgage depends on individual financial situations and long-term goals.

What are the upfront costs I should be aware of when buying?

Beyond the deposit, there are several other costs to budget for. We believe in full transparency, so there are no "hidden fees." We provide all our clients with a clear breakdown of expected purchase costs, which typically include:

  • Stamp Duty (a state government tax)‍
  • Legal and Conveyancing Fees
  • Building & Pest Inspection Reports
  • Lenders Mortgage Insurance (LMI), if your deposit is less than 20%‍
  • Bank and Government Fees

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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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