SK Finance and Home Loans
Investment Loans
Investment property lending can work differently from a standard home loan. We can help you understand the finance side of your plans.
About this service
Finance guidance built around your circumstances.
Looking to buy an investment property? We can help you understand the finance options and lending considerations involved.
Every borrowing situation is different. Your income, financial position, goals, property and the lender's assessment criteria can all affect the options available to you.
Our role is to help you understand the finance process, discuss your requirements and explore lending options that may be suitable for your circumstances.
Who this may be for
This service may be relevant to customers in situations such as:
- People buying their first investment property.
- Existing property investors.
- Borrowers reviewing an investment loan.
- Investors considering refinancing.
How we can help
Depending on your circumstances, we can help you understand areas such as:
- Understanding investment loan structures.
- Exploring lending options.
- Reviewing your current lending.
- Discussing deposit and equity.
- Understanding repayment structures.
- Supporting your loan application.
Things to consider
Your circumstances matter.
When assessing a lending option, there are several factors that may need to be considered. The exact requirements depend on the lender and your individual circumstances.
Your income and existing debts.
The proposed property.
Expected rental income.
Your existing property portfolio.
Available savings or equity.
The lender's investment lending criteria.
Why work with us
A simpler way to approach your finance.
We focus on clear conversations, practical guidance and helping you understand your lending options.
A clearer view of investment lending.
Access to lenders on our panel.
Help reviewing your borrowing position.
Support through the application process.
Our process
From conversation to next steps.
The exact process can vary depending on your circumstances, lender and finance requirements. Generally, the journey can look like this.
Discuss your plans
We talk about the property you are considering and what you want to achieve.
Review your finances
We look at your income, debts, assets and existing property lending.
Explore loan options
We discuss investment loan options available through our lender panel.
Consider the property
The lender considers the property and your application against its lending criteria.
Submit your application
Once you decide to proceed, the application and supporting documents are prepared.
Settlement
Subject to approval and completion of the required process, the purchase moves towards settlement.
Getting prepared
Documents you may need.
The documents required will depend on your circumstances and the lender. These are examples of information that may be requested.
Identification.
Income evidence.
Current loan statements.
Property and asset information.
Evidence of savings or available equity.
Rental information, where applicable.
Frequently asked questions
Questions about investment loans?
Can I use equity from my home?+
Depending on your circumstances and lender assessment, available equity may potentially be used as part of the funding for another property.
How do lenders assess rental income?+
Lenders have their own policies for rental income. They may only include part of expected or existing rental income when assessing your borrowing capacity.
Can I buy an investment property if I already have a home loan?+
It may be possible depending on your income, existing commitments, available equity or deposit and the lender's assessment criteria.
Let's talk
Ready to talk about your finance goals?
Start with a conversation about your goals and circumstances. We'll help you understand the next steps and the lending options that may be available to you.
Property investment involves financial risk. Lending is subject to lender criteria, assessment and approval. This website does not provide financial or investment advice.