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Buying an investment property is one of the most popular ways Australians look to build wealth and create passive income over time. Whether you are purchasing your first rental property or growing an existing portfolio, the right investment loan can make a real difference to your long-term outcomes.
At Roar Financial, we help clients in Tasmania and across Australia access investment loan options from banks and lenders across Australia. We take the time to understand your property investment strategy, your financial position, and what you are hoping to achieve, so we can help you find investment loan products that suit your situation.
Investment property finance works differently from a standard home loan. Investor interest rates are generally higher than owner-occupier rates, and lenders assess your borrowing capacity using a serviceability buffer of at least 3 percentage points above the loan product rate. Understanding these differences from the start helps you plan with confidence.
Roar Financial works with a broad panel of lenders, giving you access to a wide range of investment loan features and investment loan benefits that you might not find by walking into a single bank. We compare investment loan products on your behalf, looking at interest rate options, repayment structures, and loan conditions that align with your goals.
Whether you are interested in a variable rate, a fixed rate, or a combination of both, we can help you weigh up your investment loan options. We also help you think through the impact of interest only versus principal and interest repayments on your cash flow and your overall property investment strategy.
If you already own an investment property, an investment loan refinance could be worth exploring. Refinancing your rental property loan may help you access more favourable investment property rates or release equity to fund your next purchase. Our loan health check service is a good starting point if you want to review where your current loan sits.
See How Much You Could Borrow
Understanding your investor borrowing capacity is an important first step before you start looking at properties. Use our borrowing capacity tool to get a clearer picture of what you may be able to borrow as a property investor.
Step 1: Get in Touch
The first step is simple - reach out to us. Whether you call, email, or fill out our online enquiry form, we make it easy to start the conversation. There are no complicated forms or confusing jargon, just a friendly chat about what you are looking to achieve.
Step 2: Initial Consultation
We sit down with you - in person, over the phone, or via video call - to understand your goals, your financial situation, and your timeline. This is your chance to ask questions and for us to get a clear picture of what you need. We listen first so we can find the right solution for you.
Step 3: Assessment and Fact Find
We gather the key details about your income, expenses, assets, and liabilities. This helps us understand your borrowing capacity and identify the loan or finance product that best suits your circumstances. Everything is handled with care and confidentiality.
Step 4: Research and Recommendation
Using our access to a wide panel of lenders, we do the legwork for you. We compare products, rates, and features across multiple lenders to find options that genuinely match your needs. We then present our recommendation clearly, so you can make an informed decision with confidence.
Step 5: Application Preparation
Once you are happy with the recommended solution, we prepare and package your application. We guide you through the documents required and make sure everything is accurate and complete before it is submitted. A well-prepared application gives you the best chance of a smooth approval.
Step 6: Lodgement and Approval
We lodge your application with the lender and manage the process from start to finish. We stay in regular contact with the lender on your behalf and keep you updated every step of the way. If the lender needs anything further, we handle it quickly so there are no unnecessary delays.
Step 7: Settlement and Beyond
Once your loan is approved and settled, our job is not done. We check in to make sure everything has gone smoothly and that you are happy. As your circumstances change over time, we are here to review your finance and make sure it continues to work hard for you.
How we can help
When you apply for an investment loan, lenders look at a range of factors to assess whether you can comfortably service the debt. Your income, existing debts, the loan to value ratio (LVR), and the expected rental income from the property all play a role in how lenders assess your application.
The loan to value ratio is particularly important for property investors. If your LVR is above 80 per cent, most lenders will require you to pay Lenders Mortgage Insurance (LMI). LMI is a one-off premium that protects the lender, not you, and the cost is passed on to the borrower. It is calculated on a sliding scale based on the loan amount and LVR, and stamp duty may also be payable on the premium in some states.
One of the advantages of investing in property over time is the ability to leverage equity. As your property grows in value, the equity you hold can be used as a deposit or security for your next purchase. This is how many investors grow their portfolios without needing to save a full investor deposit each time. Roar Financial can help you understand how equity release works and whether it is a realistic option for your circumstances.
For investors considering interest only investment loans, it is worth understanding that these loans generally attract higher risk weights from lenders, which can affect the interest rate you are offered. Interest only repayments can help with short-term cash flow, but it is important to have a clear plan for how you will manage the loan over the longer term.
Roar Financial also helps clients think through the tax side of property investment as context, though we always recommend speaking with a qualified accountant or tax adviser for personalised advice. Understanding concepts like negative gearing benefits, claimable expenses, and how to maximise tax deductions can all influence how you structure your investment loan. The rules around negative gearing have changed recently, so it is worth getting up-to-date advice before you commit to a purchase.
If you are considering an SMSF loan to purchase property through your self-managed super fund, or a construction loan to build a new investment property, Roar Financial can help with those too.
What Our Clients Say
Rodney helped us with our home loan and did a wonderful job of reassuring us and helping us navigate what can be a daunting experience, especially when buying our first home. Rod did a great job of finding a great lender and achieving an excellent outcome for our complex situation. We’re very grateful for all his help and would highly recommend him to anyone looking for a mortgage broker.
Sam
Frequently Asked Questions
Refinancing means replacing your existing home loan with a new one, either with your current lender or a different one. People refinance for a variety of reasons, including wanting a different loan structure, accessing equity in their property, or consolidating debts. Whether refinancing makes sense for your situation depends on a number of factors, including your current loan terms, any exit fees, and your financial goals. Roar Financial can help you review your current loan and compare it against other options available through our lender panel. We will walk you through the potential benefits and costs so you can make an informed decision that suits your circumstances.
Roar Financial can assist with a wide range of lending needs. This includes home loans for owner-occupiers, investment property loans, refinancing existing loans, construction loans, and loans for self-employed borrowers. We also assist with commercial finance and asset finance for business owners who need funding for equipment or vehicles. Every situation is different, and we take the time to understand what you are trying to achieve before exploring which options may be available to you. If you are unsure whether your lending need falls within what we can help with, simply reach out and we will have an honest conversation about how we can assist.
To get the ball rolling, it helps to have some basic information ready. This typically includes details about your income, such as payslips or tax returns if you are self-employed, along with information about your expenses, existing debts, and any assets you hold. If you are purchasing a property, details about the property and the purchase price are also useful. Do not worry if you do not have everything ready straight away. At Roar Financial, we will guide you through what is needed and help you gather the right documents at the right time. The important thing is to start the conversation so we can understand your situation.
The timeline can vary depending on the type of loan, the lender involved, and how quickly documents can be gathered and verified. In general, once an application is submitted with all the required information, lenders may take anywhere from a few days to a few weeks to assess and approve a loan. Roar Financial works to keep things moving by staying on top of your application and following up with lenders on your behalf. We will keep you updated throughout the process so you always know where things stand. Delays can sometimes happen, but having a broker managing the process means there is someone actively working to resolve any issues that come up.
When you go directly to a bank, you only see what that one lender has to offer. Roar Financial works with a panel of lenders, which means we can look across multiple options to find one that suits your circumstances. We take the time to understand your financial situation and goals before recommending anything. Our job is to represent you, not the lender. We also help you prepare your application properly, which can make the process smoother and less confusing. For clients in Tasmania and across Australia, having a local broker who genuinely understands your needs can make a real difference to your experience.
In most cases, mortgage brokers in Australia are paid a commission by the lender when a loan is settled. This means that in many situations, you do not pay us directly for our broking services. The commission structure is regulated under Australian law, and brokers are required to act in your best interests under the Best Interests Duty. We are always transparent about how we are paid, and we will explain this clearly before you proceed with anything. If there are any fees that apply to your specific situation, we will let you know upfront so there are no surprises along the way.
Having a less-than-perfect credit history does not automatically mean you cannot access finance. There are lenders on our panel who specialise in working with borrowers who have had credit challenges in the past, such as defaults or missed payments. Roar Financial will take the time to understand your full situation before exploring which lenders and products may be suitable. We will always be honest with you about your options and what to expect. We do not make promises about outcomes, but we do commit to doing the work to find out what is possible for you and presenting your application in the strongest way we can.
A mortgage broker acts as the go-between for you and a range of lenders. Rather than you having to approach each bank or lender on your own, a broker like Roar Financial does the legwork on your behalf. We assess your situation, help you understand your borrowing options, and present loan products from our panel of lenders that may suit your needs and goals. We handle the paperwork, liaise with lenders, and keep you informed throughout the process. Whether you are buying your first home, refinancing, or investing in property, having a broker in your corner means you have someone working for you, not for the bank.
Getting in touch with Roar Financial is straightforward. You can reach us by phone, email, or through our website to book a consultation at a time that suits you. We are happy to meet in person if you are based in Tasmania, or connect with you remotely if you are elsewhere in Australia. There is no obligation involved in having an initial conversation with us. We simply take the time to listen to your situation, answer your questions, and explain how we may be able to help. The sooner you reach out, the sooner we can start working on finding the right lending solution for your needs.
Not at all. While Roar Financial is proudly based in Tasmania, we work with clients right across Australia. Thanks to phone, email, and video calls, we can have meaningful conversations with you no matter where you are located. We understand that different parts of Australia have different property markets and lending considerations, and we take the time to understand your local context. Whether you are in Hobart, Melbourne, Brisbane, or anywhere in between, Roar Financial is set up to support you through the process of finding a loan that works for your situation.
Ready to Take the First Step?
If you are thinking about buying an investment property or want to review your existing property investment finance, Roar Financial is ready to help. We work with clients in Tasmania and across Australia to find investment loan options that suit their goals. Book an appointment with our team today.
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