We help investors get the right residential investment loan.

A residential investment loan gives you the money you need to purchase a residential investment property (i.e. a house you rent out). With more than ~ 2 million property investors in Australia, they are very common loans. Yet they can be complicated and time-consuming to compare. And difficult to secure approval (without experiencing loan-to-value ratio limitations or exposing your current assets).   

Like many other Australians looking for a residential investment loan, you may find it:

• Hard to compare interest rates (that are constantly changing), fees (that are often hidden in the fine print) and types of loans and loan structures
• Challenging to get approved without risking your current assets (and wish you could separate your investments from your personal possessions)
• Difficult to break through lending limitations so you can capitalise on opportunities to grow your portfolio faster

That’s why we offer a free 30-minute Finance Strategy Session where we answer your questions and show you an easier way to find the right loan (with a great rate, the lowest fees, the most flexible conditions, and the right structure for your situation).

Free 30-minute Finance Strategy Session

How much can you really save (and increase borrowing capacity) with the right residential investment loan?

Depending on your circumstances, residential investment loans typically cost more than home loans in terms of interest rate, fees, and lending criteria like loan-to-value ratio. But with the right loan, you can save significantly.

Let’s start with interest rates. The difference between the highest and lowest interest rate can be 2-3%. While this may not seem like a huge amount, it only takes 0.5% on a $500,000 residential investment loan over 30 years to save $55,714. This is significant money that could:

• Help you buy another investment property sooner
• Take the pressure off your current budget
• Pay for renovations and upgrades that enable you to increase the rent for even great profit
• Go back into your pocket to improve your lifestyle

Or simply keep your repayments the same and own your home one and a half years sooner.

The lowest interest rate is nice, but it’s just one factor to consider. 

Of course, the interest rate is not the only thing to compare when choosing a loan. A difference of just $500 a year in fees (which is more common than you may think) can add up to another $15,000 in savings over the life of your loan (more money to save or invest).

What about the loan structure? In some situations, a properly implemented Offset Account could slash thousands off your loan. And with the right loan structure, you can save on tax and increase your borrowing capacity so you can invest in more properties sooner. 

And then there’s the conditions (usually found in the fine print). Without flexibility, you could be stuck with the wrong loan when your circumstances change (and there’s a lot that can change over 30 years).

It’s not just the money – what about the time and risk?

Trying to research different residential investment loans yourself can take weeks – searching online, hours on the phone with lenders, trying to compare all the fine print. And time is money when it comes to investment profit. Even then, how can you be sure you haven’t missed something?  

Then, once you decide on a loan, you have to gather, complete, and submit pages of paperwork. One missed detail could cost you thousands and put your entire investment at risk. And finally, you have to follow up with your lender to ensure everything goes smoothly to settlement (and too often it doesn’t).

There’s an easier way to get a great interest rate, fees, structure, and conditions on your residential investment loan. 

25+ years of experience and the most up-to-date technology

Our team here at Trilogy Funding has the experience and tech to compare dozens of residential investment loans in minutes instead of hours (or days). Our proprietary software scours the market in real-time for the most ideal loans. And our vast network of lenders are on call to provide us with customised assistance if we need it.

Independent and transparent lending solutions

Unlike banks that are obligated to promote their own loans (whether they are right for you or not), we are totally independent and 100% focused on getting you the most ideal loan for your situation.

A holistic approach that considers short, medium, and long-term goals

While other mortgage brokers may have adequate product knowledge, our holistic approach considers your total circumstances to ensure you have the right loan structure for the most ideal overall outcome over time, not just right now.

The ‘5 Rs’ To A Great Investment Home Loan

1. Recognise (You): We don’t assume anything about you or your circumstances. Nor do we promote cookie-cutter loans. We take time to understand your unique needs so we can find the perfect loan for you.

2. Research (Market): We’re not bound by brand or limited by industry loyalties. We analyse dozens of loan options from our extensive lending network to ensure the most ideal outcome for you.

3. Recommend (Options): We provide a shortlist of options along with our professional recommendation (including advanced financial structures) so you can feel confident about your decisions.  

4. Run (Implementation): Unfamiliar paperwork can be time-consuming and confusing to complete. And simple mistakes can jeopardise your entire application. But don’t worry – we’ll help you every step of the way, saving your hours and ensuring every detail is covered.

5. Review (Optimise): What’s “ideal” today may not be ideal tomorrow. That’s why we review your entire situation regularly to ensure you always have the most ideal loan. And we’re available to help you leverage your growing equity so you can capitalise on potential investment opportunities in the future.

The first step to getting the right residential investment loan.

Comparing residential investment loans can be difficult and time-consuming. But with potential savings in the tens of thousands (and years of repayments), it’s totally worth it – especially when you can have an expert team do all the groundwork for you.

Request a Free 30-minute Finance Strategy Session today and find out how the team at Trilogy can help you get the right residential investment loan (with a great rate, lowest fees, most flexible conditions, and the right structure for your situation), so you can get more investment properties sooner, save tax, and accelerate your wealth without compromising your current lifestyle

Free 30-minute Finance Strategy Session