Investment Properties
Unlocking Your Investment Opportunities
Purchasing an investment property is not without its challenges.
At Your Village Mortgage Brokers, we hope you come to see us as your allies. Your Mortgage Mentors.
We offer you in-depth knowledge of the local property market and our deep experience in finance to help you succeed.
Guidance at Every Turn
Investment properties come with a unique set of considerations, and Your Village Mortgage Brokers is ready to assist you at every twist and turn…there will be a few!
We’ll help you navigate the complexities of investment property financing, give you our views on market trends, and guide you through the many intricacies of property investment.
Ensuring you have the tools and insights to make well-informed decisions that align with your investment goals and your comfort with different types of risk.
Tailored Investment Loan Solutions
We understand that your situation is unique to you.
Your Village Mortgage Brokers will take the time to understand you, your financial goals and tailor our services, so that you get the home loan, from the home loan provider that best suits your specific financial situation and objectives.
- You might be exploring loan options or evaluating potential rental income.
- You might be a first-time investor or have multiple properties already.
No matter where you are in your property investment journey, we will strive to provide you with expert guidance every step of the way.
Key things for you to consider
Your Financial Goals
We can work with you to understand and flesh out the role an investment property will play in achieving your financial goals. Aspects to consider might include your comfort with different types of risk and your preferences for rental income verses increases in the value of your investment property, which might be more of a consideration as we age and as our family situations change.
Types of Loan and Loan Features
Navigating through the myriad of home loan options can be confusing. We'll break down the differences between fixed and variable rates, repayment terms, and eligibility criteria to find the best fit for you. This process means we not only get you into the right loan, but also maximise the chance of a successful outcome (approval from the lender) as we focus on mortgage solutions, not mortgage products.
Understanding the local Property Market
Awareness of current market trends is essential for successful property investing. But it’s what we do every day, so we’ll share our insights to help you. This might include identifying high-growth areas and properties with strong investment potential and whether trends are short-term or likely to endure for some time.
Risk Management
Investing in all of its forms, including property investment, comes with risks. Your Village Mortgage Brokers guide you on understanding and managing those risks, including what to consider and how to protect your investment when the market changes.
Tax Implications
Property investment has definite tax implications. We’re not tax experts. To ensure you’re fully informed in any property investment decisions, we strongly recommend you talk to an accountant and or licensed financial advisor, who can work with you to understand your unique tax situation and impacts.
The Your Village Mortgage Broker Advantage
We’re part of your community. We’re dedicated to your financial success.
We’re not just here to facilitate a home loan transaction, but to build an enduring partnership to support your financial success over the long-term.
Contact Your Village Mortgage Brokers today and let’s map out your property investment future together.
Make your mortgage work for you.
What's your next property move?
I want to buy my first home
Buying your first home is an exciting but stressful milestone. We can guide you through the process and help you avoid the mortgage missteps that will cost you time, money and stress.
I’m thinking about refinancing
Don't get complacent with your mortgage. Refinancing to get a better deal might improve your cashflow today, and your borrowing capacity and equity in the future.
I’m self employed
We're small business owners too. So we understand that sometimes your situation doesn't fit the standard lending requirements. We can work with you to find the right lending solution to suit your unique situation and goals.
I’m investing in property
Looking for your first investment property or planning on building a portfolio for retirement? Our experienced Mortgage Mentors can help.
I want to renovate or build a new home
Whether you want to access equity in your property to renovate, are considering a house and land package or you are looking at a new build, construction finance can be tricky if you don't have the right guidance from the get-go.
I want to buy a holiday home
Whether its purely for fun and relaxation or you want to leverage the boom in demand for holiday rentals and short term accommodation, we can guide you with a solution that balances the lifestyle and investment opportunities.
Maximising your lending opportunites
Here's what you can expect
Whether you are just starting out in property or are a seasoned investor, navigating the home loan lending process can be confusing and time consuming. We use our knowledge and experience to provide a streamlined approach and give you the advantage. We offer straighforward, flexible home loan solutions that don't just fulfil your current goals, but look to the future as well.
Getting to know you
We need to understand your current financial situation so we can determine the most competitive and appropriate lending solution and strategy to help achieve your lifestye and property goals.
The Nitty Gritty
With your Mortgage Strategy in place, our team will coordinate with you to gather all the relevant documents and information we need to help you get a speedy and positive outcome from the lender.
Pre-approval
Getting pre-approval on your home loan means you can start looking for property or making plans. With the confidence of knowing that the lender has agreed in principle to lend you the money.
Unconditional approval
This is the green light that the lender has fully approved your loan with no conditions. It's not quite time to pop the champagne though, until settlement occurs.
Settlement
Phew, we made it. The final inspection has been conducted, the title has been transferred into your names, and you have the keys to your new home in your hot little hands. Happy days!
Mortgage Mentoring
When the dust settles, we are still here to guide you along your property journey. From smart strategies to help you pay down your loan quicker or to build equity for future goals and projects. We've only just begun.
What our clients are saying
I found Rob from Your Village Mortgage Brokers very easy to deal with. He has an excellent grasp of the home loan options available and his explanations were clear and he was very reassuring. I’d highly recommend Rob to anyone thinking of speaking to a mortgage broker.
Damien G
