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90 Marine Terrace Fremantle, WA, 6160

Investment Property Loans

Investment Property Loans
I’m Brodie Brown, Managing Broker here at BH Brown Mortgage Brokers. Based in Fremantle we specialise in home loans for a range of different situations and work with clients right Perth’s Western Suburbs.

Investment Property Loans

Loans for investment property require more than just the lowest interest rate and because of the way the ATO might treat the related investment property expenses, including interest, the rate just isn’t the key ingredient.

Sure, we do investment property mortgages and it goes without saying they will be at the lowest rate possible but I want to let you in on a couple of secrets that most investors (usually first-timers or newbies) forget. Keep reading…

I’m Brodie Brown, Managing Broker here at BH Brown Mortgage Brokers. Based in Fremantle we specialise in home loans for a range of different situations and work with clients right Perth’s Western Suburbs.
Investment Property Loans

Investment Property Loans

Loans for investment property require more than just the lowest interest rate and because of the way the ATO might treat the related investment property expenses, including interest, the rate just isn’t the key ingredient.

Sure, we do investment property mortgages and it goes without saying they will be at the lowest rate possible but I want to let you in on a couple of secrets that most investors (usually first-timers or newbies) forget. Keep reading…

Investment Property Loans

Investment Property Loans
By the time most investors are getting into investing, they usually have a chunk of debt on their personal balance sheet – mortgage, car loan, personal loan, credit card, etc, – and all of a sudden, borrowing for a second property becomes that much more difficult. Why? Because investors run out of income to service the loan.

It’s not that in cash terms they can’t afford to service the lending, it’s that the bank calculators say ‘no’. This is because the offered rate of the loan is ‘loaded’ with a servicing buffer, usually 3% or more. I.e. if you’re borrowing at 6%, the bank calculator stress-tests the affordability of the loan at 9%. Make sense?

So here’s the first secret – not all banks will lend you the same amount of money. We could even be talking about a disparity of lending of more than 10% between some lenders. Doesn’t sound like a big deal, but when you’re trying to get a mortgage for an investment property of $890,000 and lender A will only lend you $830,000, but lender B will lend you the full amount, it’s the difference between a deal (making money and wealth) and no deal (you lose).

Secret two is that most banks you might turn to first offer boring solutions. Considering that if you have a mortgage on your home, you should repay that as a priority, often it’s smarter to have the investment property loan on interest only so you can focus on repaying the non-tax deductible debt first. No advice given here, folks.

Some of the lenders we do a lot of business with offer mortgages for investment property and other investments at the same rate and on the same terms as they do for non-investment lending. There’s conditions to this, of course, but most people don’t even know this option exists – to their great detriment.

HOW TO GET STARTED

We are the experts in investment property loans and investment loans generally. Get in touch using the enquiry form now to discuss your ambitions, the options we have available and how our expertise can make all the difference in creating financial security and wealth for you and your family.

Trust me on this, you will need the Professional Mortgage Advice only Brokers like us can provide. Old mate at the bank probably doesn’t know what he or she is talking about.

Doing Finance Differently

It’s what BH Brown does differently to other brokers, banks, loan supermarkets and ‘no service’ digital lenders that ensures the Success of our Clients.

We are Professional Mortgage Brokers, committed to helping Our Clients purchase homes, investment property and projects.

We can arrange construction loans, unlock “hidden equity” to invest and restructure finance for a smooth transition to retirement.

BH Brown excels in solving large, complex, multi-property and multi-entity deals and has the Reputation to prove it.

  • We deliver wealth-focused mortgage and loan advice
  • We make things happen that our clients had been told weren’t able to be done
  • We are all about relationships
  • We take it personally
  • We have every available loan option from Banks to Private Lenders
  • We employ the latest software almost eliminating paperwork and forms
  • We take responsibility and control over the transaction
  • We work for our clients with a sense of urgency
  • We do whatever it takes to make the deal happen
  • We always talk in terms of Your success
  • We Guarantee Our Service

An Impeccable Reputation

Brodie and Josie were complete professionals throughout the whole process. He and his team really do what he says they will do and provide you the best service possible.
Peta Duncan
2024-02-05
Love working with Brodie Brown and his team. Great advice and support. Make the whole process easy:)
Anne-Marie Erickson
2024-02-01
My wife and I had the pleasure of working with Brodie Brown and his exceptional team for our first investment property purchase in Perth. From the moment we engaged with Brodie, we were impressed by his professionalism, efficiency, and depth of knowledge. Brodie and his team made the entire process seamless and stress-free for us. They provided continuous touch points throughout, ensuring we were always informed and reassured that everything was proceeding according to plan. Their attention to detail and commitment to excellence truly set them apart. We are incredibly grateful for Brodie's expertise and guidance throughout this journey. His dedication to finding the best mortgage solution for us was evident in every interaction we had. We wouldn't hesitate to recommend Brodie and his team to anyone in need of a mortgage, knowing they'll be in the hands of a true industry expert.
Jon Butler
2024-02-01
It’s always a pleasure to have Brodie and the team at BH Brown manage our mortgages and finances. They have helped my partner and myself obtain mortgages, refinance, restructure and reorder to best suit our current and often changing needs. If ever we are unsure of something or have a question, just a quick phone call and one of the BH Brown team has us the answer, they never fail to offer us sound, practical and knowledgeable advice and outstanding service. Always the highest possible star rating for BHBrown Mortgage Brokers. I highly recommend them to anyone!
Chad Auth
2024-01-31
I’d been on Brodie’s email list (downloaded AND read the book!) for about 6 months, when Troy telephoned to see how we were going and if we needed anything. I didn’t know it at the time but we were actually in a prime position to refinance our new house away from Keystart! I had no idea. So that’s what we did, with no lenders mortgage insurance required to boot! Troy is very friendly, very patient (we took longer than we should have with paperwork etc…) and very professional. The whole process was very easy and pain-free, and we never felt rushed or pressured to continue until we understood things. Troy has helped us out twice now with finance. He was away on holiday the second time, poor guy, and he still helped us out with cheerfulness. Many thanks Troy!! Oh, and I know full well that Brodie’s emails are marketing, but I really do enjoy reading them and learn from them, and I recommend that you sign up to his list!
Cameron Brown
2024-01-30
Brodie and his team provide excellent service and advice, recommend them in a heartbeat.
Jason Wallis
2024-01-14
Brodie and his team were awesome they listened to our circumstances and guided us through the whole process to get the result everyone wanted thoroughly recommend to al expat kiwis because he likes his rugby aswell thanks team
Megan Michelle
2024-01-11
Did a free one off phone consult and Brodie was great in quickly assessing our situation and giving sound advice. Highly recommended.
Kevin Eipe
2024-01-10
Brodie and the team did a great job of finding me the best loan for my situation, and they made the process easy. Highly recommend.
Tim Fisher
2024-01-07
Brodie has been terrific over the last few years offering reliable property and mortgage advice. Highly recommended.
Jack Selva
2023-12-30
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