First-Time and Seasoned Investors
Investment Home Loans
Whatever your ideal future looks like, we’ll help you make it happen.
I would like to buy my first investment property.
Begin building a portfolio with your first investment property loan.
Explore First Investment Options
I would like to buy my first investment property.
Begin building a portfolio with your first investment property loan.
Explore First Investment Options
I would like to buy my first investment property.
Begin building a portfolio with your first investment property loan.
Explore First Investment Options
Investment Loans
Buying Your First Investment Property
Like all investment strategies, building wealth through property is about time:
Enter the market as soon as possible, let equity compound, leverage it to buy again, and repeat the process.
If you’re thinking about taking that first step, you need a lending partner who understands your long-term financial objectives. And you need a mortgage that helps make them happen.
And you need a mortgage that helps make them happen.
With a panel of more than 30 lenders and features like offset and redraw accounts available, our investment lending team will work with you to find the right loan for your goals.
Schedule a free consultation to find out how we can help.
ABOUT US
Why Australians Invest With Us
More than 36,000 Australian businesses and individuals choose us as their mortgage brokers.
Ethical Lending
Dreamwealth is genuinely different – an award-winning broker with no hidden financial incentives and no questionable referral partners.
Diverse Lending Panel
With more than 30 bank and non-bank partners on our lending panel, finding the right mortgage is simple.
Strategic Approach
Your loan should be one that supports your ideal future – whether that’s a multi-property portfolio or a stress-free retirement.
Connect With Experts
Access our network of leading property professionals to get the advice you need – no referral commissions involved.
ABOUT US
Why Australians Invest With Us
More than 36,000 Australian businesses and individuals choose us as their mortgage brokers.
Ethical Lending
Dreamwealth is genuinely different – an award-winning broker with no hidden financial incentives and no questionable referral partners.
Diverse Lending Panel
With more than 30 bank and non-bank partners on our lending panel, finding the right mortgage is simple.
Strategic Approach
Your loan should be one that supports your ideal future – whether that’s a multi-property portfolio or a stress-free retirement.
Connect With Experts
Access our network of leading property professionals to get the advice you need – no referral commissions involved.
Investment Loans
Scaling Your Property Portfolio
With the right broking partner, securing your next investment property shouldn’t be complex.
Our approach to lending works backwards from your ideal financial future:
Where would you like to be in 10, 20 or 30 years, and, in your current circumstances, what sort of loan structure would best support that outcome?
That strategic mindset – combined with our ethical lending philosophy and network of property experts – is how we’ve helped more than 36,000 Aussies take the next step on their property journeys.
Find out how our lending strategists can do the same for you.
The DREAMWEALTH Advantage
More Than Just an Investment Loan
Connect With Advocates
To invest successfully, you need the right people around you.
Our lending strategists can connect you with essential professionals like buyer’s advocates – and, with no financial relationships involved, you know you’re getting an honest referral.
Develop a Strategy
Taking out a mortgage isn’t just about the property you buy today.
It’s a step towards your long-term financial objectives, which is why the right lending structure and a proper borrowing strategy are so important.
Build a Portfolio
Property appreciation is one of the easiest ways to sustainably build wealth in Australia.
With a record of successful portfolio creation for leading investors, our strategists can help get you there – whatever ‘there’ looks like for you.
Testimonials
Leading Property Investors Trust DREAMWEALTH
Our clients share their experiences of transformation and growth.
Our journey with DW started 5 to 6 years ago when we purchased land and subsequently built our first home. Since then, we have continued our association with them, and it has proven to be a decision we do not regret. Their team not only provided financial guidance but also helped us build our wealth through a well-thought-out investment portfolio.
Trusting someone with your finances is a crucial decision, and DW has consistently demonstrated reliability. Their approach goes beyond transactional relationships; it’s about building a lasting partnership.
John Doe
Codetic
Our journey with DW started 5 to 6 years ago when we purchased land and subsequently built our first home. Since then, we have continued our association with them, and it has proven to be a decision we do not regret. Their team not only provided financial guidance but also helped us build our wealth through a well-thought-out investment portfolio.
Trusting someone with your finances is a crucial decision, and DW has consistently demonstrated reliability. Their approach goes beyond transactional relationships; it’s about building a lasting partnership.
John Doe
Codetic
Our journey with DW started 5 to 6 years ago when we purchased land and subsequently built our first home. Since then, we have continued our association with them, and it has proven to be a decision we do not regret. Their team not only provided financial guidance but also helped us build our wealth through a well-thought-out investment portfolio.
Trusting someone with your finances is a crucial decision, and DW has consistently demonstrated reliability. Their approach goes beyond transactional relationships; it’s about building a lasting partnership.
John Doe
Codetic
Insights
Learn From Leading Australian Brokers
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Spring 2024 – Is It Really Here? Ah, Melbourne weather—just when you think spring has arrived, the rain might swoop in! But regardless of the weather, the Spring real estate …
Spring 2024 – Is It Really Here? Ah, Melbourne weather—just when you think spring has arrived, the rain might swoop in! But regardless of the weather, the Spring real estate …
FAQS
Questions About Investment Loans
If you decide to turn your home into an investment property – for example, because you upgraded to a new home or moved overseas – you’ll need to refinance and take out an investment loan instead.
While refinancing does have attached costs, like discharge fees, you might even save money by securing a lower interest rate (especially if you’ve accrued equity since you first took out your home loan).
A negatively geared asset has expenses (including interest expenses) that are greater than the income it produces. Negative gearing allows you to deduct the loss produced by the asset from other forms of income, which can help reduce your taxable income.
For example, if you had a mortgage on an investment property that costs you $600 a week to manage and maintain, but only produces $500 a week in income, that property would be negatively geared by $5,200 per year. You could then deduct $5,200 from your taxable income.
Negative gearing is generally most effective if you anticipate capital gains on your property when you sell. High appreciation (an increase in the asset’s value) can make the losses incurred through negative gearing worth it.
Generally, you’ll need a deposit equal to 20% of a property’s value (80% LVR) to take out an investment loan. While you can take out investment loans with a smaller deposit, your lender may require that you pay lender’s mortgage insurance (LMI).
Lender’s mortgage insurance (LMI) is insurance taken out by your lender to cover them if you are unable to pay back your loan. LMI is insurance for the lender, not you, but you’ll normally be charged a one-off LMI fee if your lender requires that LMI be taken out.
LMI is generally only required if there is a higher-than-usual risk of default. Typically, loans with an LVR above 80% will require LMI.
Loan-to-value ratio is the value of your property loan compared to the value of the property itself (as assessed by your lender). It’s expressed as a percentage and is often used during loan applications. The lower your LVR, the more likely you are to get financing.
For example, if your lender assessed an investment property as being worth $800,000, and you had a deposit of $150,000, you’d need to borrow $650,000 to purchase the property.
In that case, you could calculate your LVR by dividing $650,000 by $800,000, then multiplying the result (0.8125) by 100, which gives you 81.25%.
Generally, an LVR below 80% is desirable. If your LVR is over 80%, lenders view your risk as being higher; you may be required to take out LMI and face higher interest rates and less favourable loan conditions.
Yes, you can leverage usable equity in your owner-occupied home to buy an investment property. If you’ve been rentvesting, for example, you might use accrued equity in your investment property to help purchase a house; alternatively, you might already own both a home and an investment property, and be interested in using equity to keep building your portfolio.
Rentvesting (‘renting’ + ‘investing’) is an investment strategy that involves purchasing an investment property while continuing to live in a rental property.
Rentvesting can be a useful strategy because it allows you to do things like:
- buy more expensive properties (because your tenants will be servicing the loan, not you)
- buy in areas that are projected to appreciate strongly (rather than only buying where you want/need to live)
- make tax-deductible property improvements.
You can find out more about rentvesting with our guide for first-time investors.
While refinancing an existing home loan to buy an investment property is a valid investment strategy, it isn’t always the right decision. Before refinancing, you should seek personalised financial advice from your mortgage broker. If your mortgage broker advises that refinancing is a suitable approach for you, you’ll generally need more than 20% equity in your current home to use it as a deposit on a new property (unless you want to pay LMI). Other considerations include:
- Refinancing comes with its own costs. Make sure the potential benefits outweigh any expenses.
- Make sure you can actually afford to pay back two property loans. You need to calculate the costs associated with maintaining and managing an investment property, whether it’s negatively or positively geared, and whether you can get tenants.
- Unlocking equity is important. If possible, try to invest in properties that are likely to appreciate (go up in price) over time, as this will help you unlock more equity.
Always talk to your broker or another qualified financial professional before making any decisions.
Loan-to-value ratio is the value of your property loan compared to the value of the property itself (as assessed by your lender). It’s expressed as a percentage and is often used during loan applications. The lower your LVR, the more likely you are to get financing.
For example, if your lender assessed an investment property as being worth $800,000, and you had a deposit of $150,000, you’d need to borrow $650,000 to purchase the property.
In that case, you could calculate your LVR by dividing $650,000 by $800,000, then multiplying the result (0.8125) by 100, which gives you 81.25%.
Generally, an LVR below 80% is desirable. If your LVR is over 80%, lenders view your risk as being higher; you may be required to take out LMI and face higher interest rates and less favourable loan conditions.
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Frequently Asked Questions
If you decide to turn your home into an investment property – for example, because you upgraded to a new home or moved overseas – you’ll need to refinance and take out an investment loan instead.
While refinancing does have attached costs, like discharge fees, you might even save money by securing a lower interest rate (especially if you’ve accrued equity since you first took out your home loan).
A negatively geared asset has expenses (including interest expenses) that are greater than the income it produces. Negative gearing allows you to deduct the loss produced by the asset from other forms of income, which can help reduce your taxable income.
For example, if you had a mortgage on an investment property that costs you $600 a week to manage and maintain, but only produces $500 a week in income, that property would be negatively geared by $5,200 per year. You could then deduct $5,200 from your taxable income.
Negative gearing is generally most effective if you anticipate capital gains on your property when you sell. High appreciation (an increase in the asset’s value) can make the losses incurred through negative gearing worth it.
Generally, you’ll need a deposit equal to 20% of a property’s value (80% LVR) to take out an investment loan. While you can take out investment loans with a smaller deposit, your lender may require that you pay lender’s mortgage insurance (LMI).
Lender’s mortgage insurance (LMI) is insurance taken out by your lender to cover them if you are unable to pay back your loan. LMI is insurance for the lender, not you, but you’ll normally be charged a one-off LMI fee if your lender requires that LMI be taken out.
LMI is generally only required if there is a higher-than-usual risk of default. Typically, loans with an LVR above 80% will require LMI.
Loan-to-value ratio is the value of your property loan compared to the value of the property itself (as assessed by your lender). It’s expressed as a percentage and is often used during loan applications. The lower your LVR, the more likely you are to get financing.
For example, if your lender assessed an investment property as being worth $800,000, and you had a deposit of $150,000, you’d need to borrow $650,000 to purchase the property.
In that case, you could calculate your LVR by dividing $650,000 by $800,000, then multiplying the result (0.8125) by 100, which gives you 81.25%.
Generally, an LVR below 80% is desirable. If your LVR is over 80%, lenders view your risk as being higher; you may be required to take out LMI and face higher interest rates and less favourable loan conditions.
Yes, you can leverage usable equity in your owner-occupied home to buy an investment property. If you’ve been rentvesting, for example, you might use accrued equity in your investment property to help purchase a house; alternatively, you might already own both a home and an investment property, and be interested in using equity to keep building your portfolio.
Rentvesting (‘renting’ + ‘investing’) is an investment strategy that involves purchasing an investment property while continuing to live in a rental property.
Rentvesting can be a useful strategy because it allows you to do things like:
- buy more expensive properties (because your tenants will be servicing the loan, not you)
- buy in areas that are projected to appreciate strongly (rather than only buying where you want/need to live)
- make tax-deductible property improvements.
You can find out more about rentvesting with our guide for first-time investors.
While refinancing an existing home loan to buy an investment property is a valid investment strategy, it isn’t always the right decision. Before refinancing, you should seek personalised financial advice from your mortgage broker. If your mortgage broker advises that refinancing is a suitable approach for you, you’ll generally need more than 20% equity in your current home to use it as a deposit on a new property (unless you want to pay LMI). Other considerations include:
- Refinancing comes with its own costs. Make sure the potential benefits outweigh any expenses.
- Make sure you can actually afford to pay back two property loans. You need to calculate the costs associated with maintaining and managing an investment property, whether it’s negatively or positively geared, and whether you can get tenants.
- Unlocking equity is important. If possible, try to invest in properties that are likely to appreciate (go up in price) over time, as this will help you unlock more equity.
Always talk to your broker or another qualified financial professional before making any decisions.
Loan-to-value ratio is the value of your property loan compared to the value of the property itself (as assessed by your lender). It’s expressed as a percentage and is often used during loan applications. The lower your LVR, the more likely you are to get financing.
For example, if your lender assessed an investment property as being worth $800,000, and you had a deposit of $150,000, you’d need to borrow $650,000 to purchase the property.
In that case, you could calculate your LVR by dividing $650,000 by $800,000, then multiplying the result (0.8125) by 100, which gives you 81.25%.
Generally, an LVR below 80% is desirable. If your LVR is over 80%, lenders view your risk as being higher; you may be required to take out LMI and face higher interest rates and less favourable loan conditions.