Buying guide
Everything you need to know about investment home loans
Home loans for investment property work a little different to your average mortgage
AI summary
Securing an investment home loan requires a clear strategy and understanding of different requirements. Key considerations include:
- Deposits: Typically 20% for new builds and 30% for existing properties.
- Lenders: Explore banks, non-bank lenders, and mortgage brokers for the best terms.
- Strategies: Choose between buy and hold or buy and flip, which influences your loan choice.
Consider options like interest-only mortgages with caution and always seek expert financial advice before making a final decision.
Getting a deposit together
Leveraging your existing property
Using a non-bank lender
Buying a new build
Sorting your investment home loan is the first step toward buying an investment property.
Type of property to consider
Residential
Short term accommodation
Commercial
Figuring out your strategy
Buy and hold
Before buying an investment property you should always speak to experts.
Buy and flip
Interest-only mortgages
Doing your sums
Buying an investment property is easier with a good lender behind you.
Applying for an investment loan
Investment home loan pre-approval
.jpg)
Before you start searching for properties it’s a great idea to get pre-approval from your bank or lender.
Getting expert advice on your investment home loan
Author
Discover More
.jpg)
‘I wanted it to disappear into the land’: For years they dreamed of their ideal home. That dream came true
A dream Timaru home blends into the landscape, with mountain and ocean views, natural stone and a hidden cinema.
Game on: five homes with unbelievable sports setups
Dreaming of a home where sport takes centre stage? These five homes elevate active living to an art form.
Search
Other articles you might like
