Smart investing requires smart financing. At R S Mortgage Group, we help you select investment loans that align with your strategy and risk tolerance, allowing you to increase borrowing capacity, minimize deposits, and extend interest-only periods for greater control over your investment cash flow.
Understanding Today’s Investment Lending Environment
Due to recent APRA regulations, many banks have imposed stricter conditions on investor lending, especially on fixed rate loans. Rates and terms vary significantly between lenders, and navigating this complexity alone can be overwhelming.
We help you:
- Compare across multiple lenders for the best investment loan deals
- Identify opportunities for discounts if you bundle your home and investment loans
- Avoid high annual fees or overcharging through proper loan structuring
Avoid Being Overcharged
Older investment loans can become uncompetitive over time. Refinancing can help you:
- Secure a lower interest rate
- Eliminate excessive annual fees
- Improve cash flow by restructuring repayments
Fixed or Variable: What’s Right for You?
Fixed loans offer stability but often come with break fees and restrictions on additional repayments. Variable loans, on the other hand, offer flexibility, making them ideal if you’re:
- Planning to sell the property
- Expecting to make lump sum payments
- Considering refinancing soon
We also offer access to flexible fixed loans that allow partial repayments without penalty.
Get Expert Guidance
We understand lender policies inside out and can match you with the right option from banks and non-bank lenders nationwide. Whether you’re a seasoned investor or just starting out, we’ll help you build a portfolio that works smarter.