Mortgage Street offers investment loan solutions designed for buyers looking to expand their property portfolios and maximise financial returns. Whether purchasing rental properties or leveraging existing equity, our investment loan options provide flexible features that align with diverse investment strategies.
Key Benefits of Our Investment Loans
High Loan-to-Value Ratio (LVR)
Borrow up to 95% of the property’s value, reducing upfront costs.
Competitive Loan Amounts
Access up to $5,000,000 to expand your investment portfolio.
Tax Efficiency
Potential tax benefits on interest repayments and property-related expenses.
Equity Utilisation
Leverage existing assets to fund future investments
Diverse Loan Products
Choose from Super Prime, Premium, Optimax, Tolerant, Progressive, Receptive, and Liberal loans tailored for investors.
How Mortgage Street Helps Brokers Assist Clients with Investment Loans
Mortgage brokers play a crucial role in helping clients secure the right investment loans. Mortgage Street supports brokers by providing:
Specialised Investment Loan Products : Mortgage brokers working with agricultural clients gain expertise in farm-based lending, ensuring they can offer tailored advice and find the best loan solutions for each situation.
Efficient Loan Processing : By partnering with Mortgage Street, brokers can offer clients access to a diverse range of loan products, helping them navigate complex financial needs with confidence.
Alternative Documentation Options : Offering specialised loan products strengthens brokers’ relationships with clients, positioning them as trusted advisors in the agricultural sector.
Expert Loan Structuring Support : Satisfied clients are more likely to refer mortgage brokers who understand the unique challenges of agricultural financing, driving new business opportunities.
Ongoing Industry Insights : Satisfied clients are more likely to refer mortgage brokers who understand the unique challenges of agricultural financing, driving new business opportunities.
Why Choose Mortgage Street?
Innovative Lending Solutions : Mortgage brokers working with agricultural clients gain expertise in farm-based lending, ensuring they can offer tailored advice and find the best loan solutions for each situation.
Broker-Centric Approach : By partnering with Mortgage Street, brokers can offer clients access to a diverse range of loan products, helping them navigate complex financial needs with confidence.
Efficient Processing : Offering specialised loan products strengthens brokers’ relationships with clients, positioning them as trusted advisors in the agricultural sector.
Secure Your Investment Loan Today
Ready to expand your property portfolio or enhance your mortgage brokerage business? Contact us to explore tailored investment loan options that align with your financial goals.
As Australia’s premier alternative lending solution, our mission is to empower our brokers to achieve their goals
Our goal at Mortgage Street is to provide you your customers with first-class service and innovative products to help you deliver solutions to your clients who don’t fit traditional lending criteria. But if your clients don’t qualify for a bank loan, Mortgage Street can always find alternatives. With 24 mortgage options available, we can help your customers find the right fit for their unique situation.
7 reasons why you should work with Mortgage Street
Mortgage Street is committed to providing a modern, efficient service to our clients. By distributing home loans through professional Australian mortgage brokers, we can offer a convenient and streamlined digital process that allows you to apply for a loan, submit documents, and track the progress of your application from the comfort of your own home.
Mortgage Street is committed to providing a modern, efficient service to our clients. By distributing home loans through professional Australian mortgage brokers, we can offer a convenient and streamlined digital process that allows you to apply for a loan, submit documents, and track the progress of your application from the comfort of your own home.
Mortgage Street is committed to providing a modern, efficient service to our clients. By distributing home loans through professional Australian mortgage brokers, we can offer a convenient and streamlined digital process that allows you to apply for a loan, submit documents, and track the progress of your application from the comfort of your own home.
A Mortgage Street accredited mortgage broker can help you to maximise your borrowing capacity by advising on the best loan structure and providing guidance on how to strengthen your application. This can be helpful if you have a complex financial situation or are self-employed.
If you are planning to purchase an investment property, a Mortgage Street accredited mortgage broker can help you understand the tax implications of negative gearing and advise on the best home loan options to suit your goals.
A Mortgage Street accredited Mortgage brokers have access to a wide range of lenders, including those that may consider larger loan amounts. This can be especially useful if you are looking to purchase a more expensive property or undertake extensive renovations.
Many lenders require mortgage insurance for home loans with a loan-to-value ratio (LVR) of over 80%. By working with a Mortgage Street accredited mortgage broker, you may access lenders that do not require mortgage insurance up to an LVR of 85%, saving you money on your loan.
To help you find what you’re looking for, we’ve grouped our lending criteria into key categories.
Turbo charge your application for faster turnaround times
Mortgage Street focuses on what you and your customer needs.Submit a scenario now and we’ll help you every step of the way
Helpful guides & forms
- MSt 001 Customer Information Collection
- MSt 002 Payroll Authority form
- MSt 003 Loan Scenario form
- MSt 007 Applicant details verification
- MSt 011 Lo-Doc Declaration Accountants Verification
- MSt 012 Full Partial Discharge Authority
- MSt 013 Rate Review Form
- MSt 014 Gift Declaration Form
- MSt 015 Direct Debit Request
- MSt 028 Buying Your First House
- MSt 063 Bespoke broker premium
- MSt 067 Everyday transaction account
- Loan Application Documentation Checklist
- MSt 134 Request for Hardship Assistance
Don’t let your unique situation hold you back, explore the all mortgage options offered by Mortgage Street.
Good Borrowers
Specialist loan
Relocation loan
Convenient calculators
FAQ
How much can be borrowed for an investment property?
The borrowing capacity depends on factors like income, existing debts, credit history, and the property's potential rental income. Mortgage Street assess these elements to determine the loan amount they are willing to offer. Mortgage Street can offer up to $5,000,000 loan amount. It's advisable to consult with a Mortgage Street accredited broker to understand individual borrowing limits.
What is the required deposit for an investment property?
Typically, lenders require a deposit of at least 20% of the property's purchase price for investment loans. However, Mortgage Street can accept lower deposits, though this could result in the need to pay Lenders Mortgage Insurance (LMI).
Can existing home equity be used to purchase an investment property?
Yes, many investors use the equity in their current home to finance the purchase of an investment property. This involves leveraging the difference between the home's market value and the outstanding mortgage balance to secure additional lending.
What is negative gearing, and how does it work?
Negative gearing occurs when the expenses of owning an investment property (including loan interest, maintenance costs, and depreciation) exceed the rental income it generates. In Australia, this loss can often be offset against other income, reducing taxable income. It's important to consult with a tax professional to understand the implications fully.
How do interest rates for investment loans compare to owner-occupier loans?
Investment loans often have higher interest rates than owner-occupier loans. Mortgage Street price these loans higher due to the perceived increased risk associated with investment properties.
Broker Support
Monday to Friday 9am – 5pm (Sydney time)
Frequently Asked Mortgage Product Questions
Key points
+LVR stands for the loan-to-value ratio. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage. Home loan rates for new loans are set based on the initial LVR and won’t change during the life of the loan as the LVR changes.
*Comparison rate: The comparison rate is based on a loan of $150,000 over the term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Loan applications, refinances and balloon amounts are subject to credit assessment.
Conditions, credit criteria, fees and charges apply. Based on Mortgage Street’s credit criteria, residential lending is not available for Non-Australian resident borrowers. Interest rates subject to change. Before making a decision, it’s best to read the terms and conditions.