Whether it's your first investment property or a portfolio, we're here to help

At Wagstaff Finance, we're committed to helping residents across Brisbane, Toowoomba, and the wider Queensland area secure their financial future through smart property investments. Whether you're planning to buy your first investment property or expand your investment property portfolio, understanding the ins and outs of investment loans is crucial. With access to a wide range of investment loan options from banks and lenders across Australia, we provide the guidance you need to make informed financial decisions.

Investing in property can be a rewarding venture, but it requires careful consideration of several factors. One of the primary elements to consider is the interest rate, which can significantly impact your investment returns. At Wagstaff Finance, we offer expertise in both fixed and variable interest rate loans, helping you choose the one that aligns with your financial goals. We also assist in finding interest rate discounts that could make your investments more profitable.

Another essential aspect of investment loans is understanding lenders mortgage insurance (LMI). LMI is typically required when your loan to value ratio (LVR) exceeds 80%, meaning you have less than a 20% deposit. This insurance protects the lender, but it does add to your costs. We help you evaluate whether paying LMI is worthwhile based on your borrowing capacity and overall financial situation.

Your credit history plays a vital role in the investment loan application process. A good credit history can improve your chances of securing favourable loan terms and lower interest rates. We guide you on how to present a strong application by ensuring your credit history is accurate and up-to-date. Additionally, we assist with gathering necessary documents like bank statements to support your application.

The amount you can borrow is influenced by several factors, including your income, expenses, and existing debts. Calculating investment loan repayments accurately can help you understand how much you can afford to borrow while maintaining financial stability. We help you determine your borrowing capacity, ensuring that the loan amount aligns with your long-term investment strategy.

The property market in Queensland and across Australia offers numerous opportunities, but it also comes with its own set of challenges, such as stamp duty costs. When buying a home for investment purposes, it's important to account for these additional expenses in your financial planning. Our streamlined application process ensures that you are well-prepared for all eventualities, making the process of applying for an investment loan as straightforward as possible.

As you consider expanding your investment property portfolio, understanding the intricacies of investment loans becomes even more critical. From selecting the right loan type to managing ongoing repayments, Wagstaff Finance provides comprehensive support throughout the journey.

For those looking to take advantage of current property market conditions or explore new opportunities within Queensland or beyond, Wagstaff Finance stands ready to assist. Let us help you access investment loan options tailored to your needs and simplify the investment loan application process. Contact us today to discuss how we can support your property investment goals with expertise and dedication.

Our Investment Loan Process

1. Initial Meeting

We’ll talk about your goals and what you want to do. We will explore how it all works - how much funding is required, how borrowing capacity works, and some of the Investment Loan features that may be important to you.

2. Document Verification

You will receive a link to our online portal so you can easily provide us your information. We will also request the documents we need to verify your income, assets and other financial information.

3. Game Plan Presentation

You’ll be presented with a personalised Game Plan with tailored solutions and recommendations to meet your goals and objectives.

4. Research & Advice Meeting

We’ll review credit policies, negotiate rates with lenders and come back to you with the analysis. During our Advice Meeting, we will talk through the options, our recommendation and the next steps.

5. Lodge your Application and Prepare for Signing

We’ll prepare the application with the chosen lender to package, sign and lodge your documents – and do the legwork to get the Investment Loan approved.

6. Approval Moment

Congratulations! This is what we live for. We’ll let you know that everything has gone smoothly with your Investment Loan so you can pop the champagne. We will organise the signing of documents and next steps.

7. Settlement Day

This is the moment when everything goes through and your funds are released, or you are the proud owner of a new home. We’ll be there for you during and after the settlement process to ensure everything is set up the way it should be.

8. Together for the Long Haul

We stay in touch regularly and are there to answer any questions you may have, and review your loan to ensure it still meets your requirements and is competitive.