Whether your starting or growing your property portfolio, our expert brokers can help you navigate complex lending criteria and secure investment financing to meet your specific needs and goals, maximising your wealth.
Personalised, expert guidance
Hassle-free experience
Access competitive rates and loan structures from over 40 lenders, tailored to your needs and negotiated by our trusted experts
“My wife and I are repeat customers - having already 2 properties financed through Cinch Loans, and currently processing loans for 2 more investment properties. It's rare to have a mortgage broker (in our experience) that can also speak intelligibly on financial modelling as means to make smart, data driven decisions into what we should buy and how should we finance it. ... Furthermore, it's refreshing to have someone look after us and proactively reach out to help save us money.”
Arthur Wojcicki, portfolio investor
An investment loan is designed for purchasing properties you intend to rent out or sell for profit. These loans typically have different interest rates and borrowing requirements than owner-occupied home loans, because they are considered higher risk.
Book an appointment for expert guidance.
The amount you can borrow depends on your financial situation, the rental income the property is expected to generate, and your chosen lender's criteria. In general, most lenders allow investors to borrow up to 90% of the property value.
Book an appointment to find out your borrowing power and explore financing options.
Yes, many investors use equity from their existing home or investment properties as a deposit for new investments. This can allow you to borrow without a large down payment. If you use equity (or have a guarantor) you may be able to borrow over 100% of the property's value.
'Negative gearing' refers to when the expenses of owning an investment property exceed the income it generates. This loss may be able to be offset against your taxable income to reduce your tax bill. This is a popular strategy among property investors.
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When investing in property, the right ownership structure is crucial for managing risk, tax obligations, and asset protection. Your ownership structure determines how you manage profits, handle liabilities, and incur tax liabilities over time.
Here's a brief breakdown of common ownership structures:
Choosing the right structure depends on your personal financial situation and investment goals. Speak with a financial advisor for professional, tailored advice.
Interest-only loans can be popular because they reduce monthly payments and maximise cash flow. However, principal-and-interest loans allow you to pay down the loan balance over time. Your choice depends on your investment strategy. Professional advice can be sought from your accountant or financial planner.
Our process is quick and easy, while always ensuring you tap into our expertise and lender relationships to access better rates and make sure you get the right solution for your specific needs.
Start by talking to a Cinch Loans expert, who will listen to your needs and start exploring options with you.
You fill out our online form and get your docs ready.
We figure out your likely borrowing capacity, shop around lenders and discuss your options in more depth with you.
Once you're ready, we apply, and make the application to settlement process a breeze, including helping set up your new loan.
When buying an investment property, you'll likely incur loan application, valuation, legal, and settlement fees. Our services are paid by whichever lender you choose, so that's one less to worry about 😍.
To understand the total costs for your loan, talk to our experts.
That's simple! Just book an appointment and talk to our experts.
