Whether it's your first investment property or a portfolio, we're here to help

At Casa Mortgage Services, we understand that investing in property can be a significant step towards securing your financial future. Whether you're a first-time investor or looking to expand your investment property portfolio, we offer tailored solutions to help you access investment loan options from banks and lenders across Australia. Our expertise lies in guiding you through the complexities of investment loans, ensuring that you make informed decisions that align with your financial situation and investment goals.

When applying for an investment loan, it's essential to consider various factors that can influence your borrowing capacity and the overall success of your investment. One of the primary aspects is the interest rate. Investment loans typically come with either a variable interest rate or a fixed interest rate. Choosing between these options depends on your financial strategy and risk tolerance. A variable interest rate might offer more flexibility, while a fixed interest rate could provide stability in your repayments.

Another critical factor is the loan to value ratio (LVR), which determines how much you can borrow compared to the property's value. A lower LVR might reduce the need for lenders mortgage insurance (LMI), making it a crucial element when calculating investment loan repayments. Your credit history also plays a significant role in the application process, as it affects your eligibility for interest rate discounts. Ensuring that your credit history is in good shape can enhance your chances of securing favourable investment loan options.

The property market in Canberra and across Australia offers diverse opportunities, but understanding additional costs such as stamp duty is vital when buying a home for investment purposes. These expenses can impact your overall financial outlay and should be factored into your investment strategy. Additionally, the loan amount you qualify for will be influenced by your bank statements, income, and other financial details that lenders assess during the investment loan application process.

At Casa Mortgage Services, we are committed to providing a streamlined application process that simplifies applying for an investment loan. Our team will assist you in gathering all necessary documentation, ensuring that your application highlights your borrowing capacity effectively. We aim to make the journey of acquiring your first investment property or adding to your portfolio as smooth as possible.

In summary, accessing the right investment loan options is crucial for successful property investment. By considering factors such as interest rates, LVR, credit history, and associated costs, you can make informed decisions that align with your goals. At Casa Mortgage Services, we are dedicated to helping you navigate the complexities of the property market with confidence. Contact us today to discuss how we can assist you in achieving your investment objectives and unlocking the potential of the Australian property market.

Our Lending Process

Step 1: Credit Guide & Privacy Consent

You’ll receive an email link to our secure portal, Finance Vault, where you can access Credit Guide and Privacy Consent form and accept our Privacy Consent Form.

Step 2: Broker Fact Find

Fill out the Fact Find in Finance Vault, including all assets, debts (personal and business), and ongoing commitments like HECS, Afterpay, leases, and tax debts.

Step 3: Supporting Documents

Once Step 1 and 2 are complete, Finance Vault will update with a checklist of supporting documents needed to assess your borrowing capacity. We’ll guide you to ensure everything is submitted correctly.

Step 4: Loan Strategy Meeting

After verifying your documents, you’ll receive a link to book a strategy session with our Broker. In this session, we’ll discuss your goals, loan structure, and borrowing capacity.

Step 5: Product Comparison

We’ll send you a report comparing at least three loan options, along with Mark’s recommendation tailored to your needs.

Step 6: Application Handover

Once you choose a lender, your file is handed over to our Broker Support Manager, who manages your application through to settlement.

Step 7: Signing Documents

We will prepare your Credit Proposal and Loan Application for you to sign.

Step 8: Lodgement/Pre-approval

After signing, we lodged your application for pre-approval.

Step 9: Loan Approval & Final Steps

Once your loan is approved, we will guide you through the next steps—reviewing the loan agreement, confirming you understand all terms, and helping you arrange any required insurance (like LMI). We’ll also assist with setting up your repayments and offer tips for managing your loan effectively over time.

Step 10: Settlement & Ownership

When all documents are in place, your settlement is finalised. This is when the loan is advanced and, if you’re purchasing, ownership of the property is officially transferred to you. We recommend engaging a solicitor or conveyancer to ensure everything runs smoothly. After settlement, your lender will provide online access to your loan, and you’ll begin your repayment journey with confidence.