Investment Home Loans Melbourne

You’ve done your research and found a property that matches your investment strategy. Now all you’ve got to do is find the right home loan for your investment property.

Tailored investment lending advice for Investment Home Loans In Melbourne

Home buyers and property investors must understand the importance of effective debt structuring.

The team here at Perry Finance bring together their skills, knowledge and experience to offer expertise in financial analysis and property investor loans so you can feel confident with your choice of investment loan.

As a ‘tailored to you’ investment lending service, Perry Finance specialises in assisting property investors and high-net-worth individuals to secure intelligent investments. A sound knowledge base of the real estate and development sectors allows Perry Finance to act as a conduit to many reputable bank and non-bank lenders. Perry Finance will always explore flexible options and secure the best terms and rates for you and your investment home loans.  

With an established track record for managing complex borrowing structures, Perry Finance is the investment property loan and Melbourne experts you need to work with.

Our investment lending advisors work with you every step of the way and streamline the process by eliminating any ambiguity around documentation, transactions and timeframes.

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Why Choose Perry Finance for Your Investment Home Loan?

For your investment to succeed, you need to find competitive interest rates for your investment home loan, but it’s not just about the rate; you also need to get your structuring right and ensure you can borrow what you need. Our expert team at Perry Finance will work with you to find the best loan options to suit your strategy and walk you through every step of this process.

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Our Investment Home Loan Options In Melbourne

The right type of loan is essential when it comes to the execution of your investment strategy.

The options available include variable interest rates, fixed rates, interest-only or principal and interest.

Depending on the lender, a variable interest rate can change at any time.

Repayments on your investment home loan will increase when the rate goes up but decrease when the rate goes down.

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The interest rate and repayments on a fixed-rate investment home loan are fixed for an agreed timeframe.

Managing your financial budget is easy when you have a fixed-rate investment home loan.

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With an interest-only investment loan, the repayments only cover the interest cost.

The principal amount (the amount borrowed) is not reduced; these loans usually span between one to five years.

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Repayments made on a principal and interest investment home loan will do two different things:

  1.   Pay off the principal (amount borrowed) and
  2.   Pay off the interest.

A principal and interest investment home loan repayments will be higher than those on an interest-only loan.

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Investment Property Tips and Guide

  1. Find a good location close to shops, schools and public transport. Pick the right suburb in terms of rental yield and vacancy rates.
  2. How to calculate equity: If your property is valued at $900,000, and your outstanding loan balance is $450,000, you have $450,000 in equity.
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The key to your success and financial freedom starts here.

How to Apply for an Investment Home Loan with Perry Finance

Contact us about your needs, and we’ll book you an appointment. We’ll assess your investment strategy and borrowing capacity and send you our loan product and structure recommendations. When you’re happy to proceed, we’ll submit the loan and help you through each step to settlement.

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Our Easy 7 step application process

Step 1:

Tell us a bit about what you need – we conduct a short interview to find out a bit more about how we can help you.

Step 2:

Book an appointment to see an adviser – one of our professional staff will make a time to see you.

Step 3:

We will make an assessment of your borrowing capacity and provide with a funding table showing your current borrowing position.

Step 4:

We will make loan product and structuring recommendations and send them to you.

Step 5:

You confirm with us you are happy to proceed and we submit your loan for processing. We’ll let you know what documents we need, make sure you provide all of them to avoid any unnecessary delays.

Step 6:

Your loan settles, but we don’t stop there, we’ll work with you to make sure your new loan set up is as hassle-free as possible.

Step 7:

We will make an assessment of your borrowing capacity and provide with a funding table showing your current borrowing position.

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Investment Home Loan FAQS

It’s a challenging environment for property investors – prices are falling, rates are rising, rental property is in oversupply and auction clearance rates are low.

If you are taking on these headwinds as an investor, do you have a strategy in place to prepare?

The Australian Financial Review’s Duncan Hughes has put together an excellent checklist of your options to review your finances and lower costs and stay ahead of the game.


If your aim is to invest in properties, you might want to contemplate a loan option different from that of an owner occupier. When seeking approval for an investor home loan, the two primary choices available to you are “interest-only loans” and “principal and interest home loans”.


If you’re planning to increase your property holdings, it’s likely that you require an investment home loan. The question is, what amount of down payment is necessary for purchasing an investment property? We’ll answer this and related questions in the points below. But first thing’s first…


Commercial Loans

At Perry Finance, we can help you with a range of commercial loans. Whether you’re self-employed, getting a small business off the ground, or after a loan for commercial property or commercial investment, our award-winning brokers can find the right loan for your needs.

Construction Loans

From construction loans to land loans, our development finance options can help you secure the funding you need. We’ll help you get your project off the ground!

Home Loans

We specialise in assisting property developers in areas such as Land Acquisition and Holds, Construction Funding, Residual Stock Funding, Equity Release and Ongoing Term Debt.