Expert advice for first time investors

Make the right property investment decision with advice from experienced brokers.

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How to get your first investment loan

There’s no doubt about it – investing in property is one of the best ways to increase your wealth and set yourself up for the future. With the right property and financing, your assets will appreciate in value while returning a profitable yield from rental income. And since property value is not reliant on the unpredictable ups and downs of the stock market, it provides you with some much-needed stability and helps you to diversify your investment portfolio.

But buying your first investment property can be overwhelming. There are plenty of pitfalls that can trip up the inexperienced investor.
See also: Advantages and disadvantages of investing

The good news is you don’t have to do it alone.

Hunter Galloway has helped dozens of first time property investors just like you. Our experienced team of brokers know investment finance inside and out. We do the hard work of comparing loans and finance structures across multiple loan types and over 20 different lenders. This means that you don’t have to lose sleep over wondering whether you got the best rate, or if you’ve overextended yourself and put your hard-earns savings at risk through an uninformed financing decision.

It’s important to start your property investment on the right foot. By organising your property portfolio with the right loan, you will be able maximise your borrowing capacity and made every one of your hard-earned dollars work hard for you.

When we help our clients to invest, we cover all of the bases. By looking at negative gearing, capital gains tax, depreciation, offset accounts and other factors, we will make sure that you choose the right loan for your circumstances.

FAQs for Property Investors

Will I qualify for a loan?

The approval criteria for investment loans can get quite complicated, especially if you need to take into account negative gearing benefits or other factors to prove that you can afford the loan. Banks consider investment loans to be a higher risk than standard home loan, so you will need to be in a strong financial position to qualify.

Here are the basic lending criteria:

  •  5-10% of the property value in genuine savings
  • A good credit history, with an above average credit score
  • Stable employment

Which lenders can help?

There are a range of bank and non-bank lenders that can help you with financing your investment. Each of these lenders have different qualifying criteria, so without knowing your individual circumstances it is hard to make a recommendation. The best way to ensure that you’re getting the best deal for your investment is to engage the services of a qualified independent broker.

How do I increase my borrowing capacity?

There are several different strategies you can use to maximise your borrowing capacity and finance your investments. Here are a few simple tips:

  • Apply with a lender that has favourable lending criteria for investors
  • Apply for loans jointly with a spouse so that your total household income can be taken into account
  • Buy positively geared investment properties
  • Reduce your credit card limits

Do all lenders use the same criteria?

Banks and other lenders will assess your investment loan based on different criteria. You will often find that your borrowing capacity varies (sometimes quite substantially) depending on the lender that you choose. Here are some ways that lending criteria can differ:

  • Rental income – most banks will only take into account 80% of your rental income, whereas others will consider up to 100%
  • Other income – lenders will differ in the way that they treat other income like overtime, bonuses, commission, allowances, dividends, trust distributions and self employed income
  • Assessment rate – Most banks will add up to 2% of the current rate when assessing your borrowing capacity. Some lenders will waive this if you are fixing your rate for more than 3 years.
  • Negative gearing – not every lender takes negative gearing benefits into account

With so many different criteria across lenders, it is hard to know which lender to go to for your loan. Luckily, Hunter Galloway has the knowledge and experience to find the right lender and get your loan approved. If you’d like to maximise your borrowing capacity then call us or book a free assessment.

Brilliant service. Nathan and the team were referred to me from a friend who had used them in the past. I had been let down by my previous mortgage broker who made lots of promises but never delivered - but not Nathan and the team at Hunter Galloway. I'm so impressed by their quick service and so happy with my new home I have been telling all of my friends and family about them! Thanks again
Wallace Wells
Wallace Wells
04:44 31 Jan 18
I would recommend Nathan team to everyone. They are very professional and efficient. I previously had unpleasant experience when dealt with bank directly. Lucky, found Nathan, Josh and Jared just on time. Through them, bank even offered the loan more than I need. I could not settle this investment without Nathan's help! Thank you very much!
Jessie Zhang
Jessie Zhang
02:49 04 Jan 18
These gentlemen came recommended and I was genuinely impressed; the personalized service and very rapid reply to queries and constant updates was impressive as well as the ease with which they performed all the necessary work. They are very thorough and whilst collating paperwork is never much fun, they make it easy and explain why having all in place first is the best method. They negotiated firmly with various Lenders and delivered as promised with nothing being too hard and chasing up other people on our behalf. Highly recommended and will use them again and this is a genuine honest review at my discretion. Very impressed!
Charles Phillis
Charles Phillis
04:37 03 Jan 18
Nathan and Joshua have processed and got approved my First Home Loan within one Business working day. That’s an incredible turnaround time during Christmas beak which shows they are the Best and Top most Mortgage Broker.I have gone with a large franchisee based Mortgage Broker initially and was not happy with the way they processed my application. Then went to Hunter Galloway based on my friend’s reference and found the following as their key differentiation1. Hunter Galloway has a very specialized framework and process to prepare your application.2. They have their own dedicated team who works on your application to the degree that almost Bank will not ask any questions on your application. Their attention to detail is the key.3. They have very niche skills and expertise on picking the right lender for you based on your needs.4. They have a team with highly skilled people. This showed to me that size doesn’t matter and it is the quality of people who makes the difference.My recommendation is to go with Hunter Galloway first for any loan needs as they care for you and your success.
Ram v
Ram v
22:11 21 Dec 17
Without doubt some of the best customer service I have experienced across any industry. Hunter Galloway provided consistent communication throughout the loan process, nothing was a problem for them and they have a real can do attitude.My mortgage was not your typical simple loan; it required a lot of attention and out of the box thinking. All of this was provided by the team. Both Nathan and Josh worked tirelessly to get the result and outcome that I needed. They are incredibly personable, professional and a joy to work with.I would highly recommend Hunter Galloway for any lending requirements. I will certainly be using them for future loans.
Michael Cooper
Michael Cooper
07:31 11 Dec 17
I was recommended to use Nathan and Josh and as a first home buyer I found they were fantastic in helping me understand the process and the loans available. Really appreciate all their help along the way and will be recommending them to family and friends myself.
Renata Belperio
Renata Belperio
07:49 02 Nov 17
I have dealt with Nathan and Josh on many transactions both personally and in business. Their communication, customer focus and "get it done" approach ensured that all transactions proceeded smoothly without surprises. I would and have recommended Nathan and Josh to many of my family and friends.
Ivan Orola
Ivan Orola
09:53 12 Oct 17
After weeks of unsuccessful negotiations directly with the bank, we were exceptionally pleased with the services provided by Nathan and the team at HG. They managed full home loan approval in less than 1 week. HG presented us with an extremely competitive home loan rate. I wouldn't hesitate to recommend the HG team.
Nellie Louise
Nellie Louise
00:11 04 Oct 17
Nathan helped me threw a very long process of refinancing my home loan to get the best deal possible that suited my needs. I had to refinance after a separation which involved a lot of back and forward between my old bank who offered me nothing, solicitors and with Nathan he was very patient, understanding and was so supportive all the way and continues to be there.Highly recommended and will be using Nathan again in the future and telling family and friendsRegards Kerry
Kerry D
Kerry D
02:59 08 Sep 17
Nathan was amazing. Very helpful and professional and got me a great loan despite a challenging situation. Thank you so much Nathan. Love my new home. Thanks for making it happen for us.
Leonne Lewis
Leonne Lewis
02:15 14 Jul 17
I'd go 6 stars if I could! My experience with Josh has been nothing less than superb. I am a new home buyer who knows very little about the whole process and was very vulnerable. Josh not only did not take advantage of that, but had patiently nurtured me, supported me, and of course, offered the utmost professional service to find a home loan option that is the best for me.Not only so, he carried me throughout this whole journey, and I know this relationship will last, as I know he will be there for me even after this loan. Because for any further loan needs, he's my first and only man to go to.Highly recommended!
Brendan Chen
Brendan Chen
13:14 06 Jul 17
Nathan and the Team helped my Wife and I purchase our second investment property. We had many questions and were even interstate and out of reach during work hours for the majority of the process. The guys at Hunter Galloway worked around the clock to get us the best deal on a schedule that worked for us.I am more than happy to have worked with these professionals and will definitely use them in future to purchase more investments.Nick and Ash
Nick Buckland
Nick Buckland
09:13 03 Jul 17
Such an extraordinary service! Nathan was very professional and very responsive. Answering all my questions promptly and knowledgeably in many different issues considering my situation was the most outstanding work Nathan had assisted. I would definitely highly recommend his service to family and friends. An extended service that a client needs from the start of the process, finish and even continuous for any future plans. Their continuity of service makes it all difference to others.
Marifaith Enguito
Marifaith Enguito
21:12 26 Jun 17
Amazing service, very knowledgeable and professional. Thanks to Hunter Galloway we have been able to build our dream home. Highly recommended and will continue to recommend to friends and family .
Nicole Harman
Nicole Harman
02:23 22 Jun 17
Excellent service. Both Nathan and Joshua were very honest and very helpful. Highly recommend them.
Ineshma Sahay
Ineshma Sahay
04:03 16 Jun 17
Having used other brokers in the past. I am annoyed I didn't know about these guys earlier haha. I received nothing short of fantastic dedicated service tailored to my needs/situation, who cared about me and what the best solution and structure was, rather then get me to fit into a generic product that makes their life easy or most beneficial like other brokers.Thanks again guys!
Adam Haddad
Adam Haddad
00:03 02 Jun 17
We had Josh recommended to us by our financial adviser, at first I was skeptical to get in contact as we had a previous experience years before with another broker that was not the best. Completely different experience with Josh; we could not be happier; we have now refinanced with him two times and both have been stress free and uncomplicated. (from our experience anyway) The best thing about the experience was that we never felt badgered and the level of communication was just right and always timely. Highly recommended 5 stars....tell your friends.
wyndham thomas
wyndham thomas
08:37 31 May 17
Great knowledge and cuts straight to the chase, a wonderfully helpful service which is much appreciated. answered all my queries promptly and so I could understand.
Rochelle Harmer
Rochelle Harmer
10:48 16 May 17
Joshua Vecchio helped in processing my home loan, right from pre-approval stage to final approval and until settlement is done. He has provided an amazing customer service throughout the process by providing right information, answering all my queries patiently and proactively informing me on my home loan application status as it passes each stage. I’ve been highly recommending Josh to my friends for home-loans and re-financing.Josh I can’t thank you enough for the support you have provided with my home loan.
Shyam yanati
Shyam yanati
12:12 06 May 17
Joshua is a very competent broker who has a strong understanding of the available products and provided me with sound advice. He's extremely responsive and helped solved many issues proactively. He is highly recommended.
Jasmyin Tay
Jasmyin Tay
08:01 30 Apr 17
I fortunately came across Joshua and Nathan's team through my awesome property manager Tony Charlesworth who runs Personalised Property Sales, and this was just by luck from me googling some random managers. I've definitely hit the jackpot with the both of them.Tony mentioned he was really pleased with the service they've provided him so I put it forward to my husband who had a few other brokers he was researching. From the moment we spoke over the phone I knew in my gut that these would be the guys that will help us through the convoluted world of property, banks, loans etc We want to build our property portfolio to work towards financial freedom and we felt 100% confident when sitting down with Nathan as he was reviewing our file and showing us his expertise in this area. He is one of the few professionals I have come across that is more than willing to share all of his knowledge and education to help us better understand what we're doing.Far too many vendors are more than happy to grab your business, keep correspondence short and brief then be done with you once they feel they've accomplished what they have set out to.Hunter Galloway want to build relationships and are happy to see you through your property journey if this is the path you choose.They have a good range of lenders and will look for the best and most practical deal for you and plan to review your file down the track to make sure this plan is still working for you.He touched base all through out the process of us purchasing our second property with updates, even post settlement he'd sent us a hand written thank you card! Not once did we have to follow up with him as he was constantly on the ball.My husband and I highly recommend these guys. Please share with your friends, family and colleagues.Thank you very much for your assistance and we hope to be able to purchase more property through your team.
Samantha Buckley
Samantha Buckley
11:43 28 Mar 17
Dealing with Joshua was great. He was always helpful and nothing was a drama. Would recommend him to anyone.
Adam Dippelsmann
Adam Dippelsmann
06:19 28 Feb 17
Very patient, creative professional. he was prompt in delivering outcomes. always exceeded expectations. new age customer focussed advisor. i have already been back to Josh with more business.
Vathsala Giridharan
Vathsala Giridharan
00:53 09 Apr 16
Where to begin... If you're looking for the absolute best experience, don't look any further. Hunter Galloway team really knows what is important and their passion is evident in their work. A massive source of knowledge and experience, these guys know what they're doing!
Carlos Natale
Carlos Natale
23:44 18 Mar 16
Josh facilitated the entire process of finding the most suitable rate and loan for my development project. He was professional, reliable and attentive. Thank you so much for making it so effortless. Would highly recommend Josh and Hunter Galloway to anyone.
Elliot Ritchie
Elliot Ritchie
10:44 17 Mar 16
We met Josh to start our journey in purchasing our first home and were very impressed. He was very well prepared, listened to our plans for the future and presented information on a number of options to suit our needs and aspirations. Josh is very experienced, highly knowledgeable and I'd highly recommend him to anybody!
Grace Polong
Grace Polong
10:02 17 Mar 16
Absolutely fantastic service and great, knowledgeable, and helpful staff. From the moment I had my first phone call, I knew that I was going to be taken care of. Thank you for the your kindness and your professionalism, it made the entire process so much easier and enjoyable. I would gladly recommend and do business with Joshua at HunterGalloway again!
Giulian Ferranti
Giulian Ferranti
09:52 17 Mar 16

We will find you the perfect home loan solution