Why Choose us for your Residential Investment Property Loan?

Here at Greenline Home Loans, we are committed to providing you with the right investment property loans to suit your needs. You can rely on us with the lowest investment home loan rates and customer service that you will value for the life of your loan. From the loan application all the way to post-settlement, Greenline Home Loans will guide you through the entire residential home loan process and provide you with any financial advice you need for your future. We place our clients at the heart of everything we do – It’s what sets us apart from most!

Product Features

Investing in property requires a solid, well-thought-out strategy. Strategising often begins with selecting suitable investment loans in order to help you finance your target property. Here are some of the best features of acquiring a residential investment property loan.

Interest-Only Payments

Interest-only home loans allow borrowers to pay only interest for a specific period of time – generally from five to ten years. The extra money you save from interest-only payments can be utilised for other investment ventures, which can ultimately further support your growing portfolio.

Offset Account

Investors utilise offset accounts as a replacement for their everyday bank accounts. An offset account acts like a savings account where you can store away your extra funds. It is very useful, particularly if you wish to cut the interest charged towards your loan. The balance on your offset account reduces the amount charged with interest.

Repayment Holiday

Investors often depend on rental income to cover their mortgage repayments. Although, in situations where properties are left unoccupied, a repayment holiday can be used, where you can take a break from making repayments for a certain period of time – usually up to a year.

Line Of Credit Facility

Home loans with a line of credit facility allow you to access a predetermined amount of credit. You are able to borrow additional money whenever you like without the need to apply for another loan. The amount you borrow will be secured against the equity you have in your property.

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Get started on your investment property loan journey with Greenline Home Loans. We’re here to help! Speak to one of our professional mortgage brokers today.

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Home Loan Products

Residential Home Loans

Residential home loans are mortgages where banks hold security in the form of a residential property. Here at Greenline Home Loans, we ensure that your residential home loan has the lowest home loan rates, the lowest fees and the flexibility you require. Along with years of experience in the finance industry, our home loan professionals have in-depth knowledge of Australian residential home loan markets.

Home Loan Refinancing

We provide quick, easy and obligation-free home loan refinancing services which allow you to compare your current home loan against hundreds available on the market. Greenline Home Loans have a simple refinancing process so that you can begin saving on your home loan repayments sooner.

Debt Consolidation

If you have been dealing with multiple payments on numerous loans, each with their own interest rates and conditions, you may want to consider consolidating your debts. Have greater control of your financial situation by bringing all your existing debts together into one loan.

Bridging Loans

When looking to upgrade your home, timing the purchase of your new home while selling your existing property can be tricky. Bridging loans can provide a solution that allows you to avoid the stress of having to sell your home first and find temporary accommodation whilst you search for your next home.

Construction Loans

Construction loans are designed to support those who are building their home, as opposed to purchasing an established property. Greenline Home Loans can provide you with a loan that is progressively drawn down as required to pay for each stage of the construction, allowing you to manage your cash flow more efficiently during the building stages.

Cash Out – Equity Release

Sometimes you might need to borrow money in order to achieve some personal goals like renovating your home, buying a new car or even travelling overseas. While taking out a personal loan is an option, releasing equity from your property can result in a more favourable outcome with lower interest rates applicable to the loan as a result of the nature of the loan and the security against it.

Frequently Asked Questions.

What Are Investment Property Loans?

Investment property loans are a type of mortgage that is used to purchase an investment property. They are available for residential, commercial, and mixed-use properties.

Investment property loans allow the borrower to borrow more than they would be able to with a traditional home loan. In return, the borrower pays a higher interest rate and also has to pay closing costs on top of the regular monthly payment.

How Do I Qualify For An Investment Property Loan?

There are many things to consider when applying for a loan. The bank will need to know how much you earn, how much you owe, and what your credit history is like. They will also want to know what your down payment is going to be. 

The bank will also want to know the value of the property that you are applying for the loan. This information is vital so that they can decide if it is worth lending money to it.

You will also need a copy of your tenancy agreement and some evidence that you have enough money in your account to cover the repayments on your mortgage each month.

What Is The Difference Between A Mortgage and a Loan?

A mortgage is a loan that is used to purchase a home. It is typically paid off over the course of 15-25 years. A loan, on the other hand, is typically used for other purposes, such as buying an automobile or paying off debt.

What Are The Benefits Of Investing In Property?

Investing in property is one of the most popular methods of generating wealth. It can be an excellent way to build up equity in your home, and it can also be a way to generate passive income.

With the housing market constantly changing, it is important to stay up-to-date on the latest trends. Investing in property may not always be profitable, but there are many benefits that come with it.