Features vary between lenders and products. We help you choose the combination that fits your strategy.
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The loan that buys your first investment property may not suit your second or third. Every lender treats your debts, rental income and equity differently, so your structure today can open up or limit your options later.
At LL Global Group, we start with your goals and compare options across 30+ lenders. Our Condell Park team works with investors across Western Sydney, Sydney Metro and regional NSW.
Most lenders count only part of your rental income when they work out how much you can borrow, and they test your repayments at a rate higher than the one you will actually pay. Policies on existing debts, loan limits and the number of properties you hold also differ from lender to lender.
That is why your borrowing power can change a lot depending on who you apply to. We compare your situation against lender policy before you apply, so you are less likely to face a decline or extra credit enquiries on your file.
Every investor’s path is different, from a single apartment to using the equity in the family home. The right loan set-up keeps your next step open, while the wrong one can hold you back.
We stay with you after settlement. As rates, rents and values change, we tell you when it may be worth refinancing, releasing equity or restructuring.
Loan Structure
The right features can protect your cash flow and make your next purchase easier. Here are the options we look at when comparing investment loans for you.
Lower repayments for an agreed period to help cash flow, subject to lender approval.
Pay down your debt and build equity over time.
Keep cash accessible while reducing the balance interest is charged on.
Use the equity in your home or an existing investment property for a deposit and costs.
Keep each property on its own loan so you can sell or refinance one without affecting the others.
Balance repayment certainty with flexibility.
Features vary between lenders and products. We help you choose the combination that fits your strategy.
Benefits
We match you to lenders that assess rental income and debts in your favour.
We plan around your portfolio, not just one purchase.
Your loan is set up to keep your next purchase possible.
We manage the paperwork and lender communication for you.
We check your loans as rates and your portfolio change.
Our Condell Park team explains every step clearly.
We help with your next purchase, refinance or equity release.
A steady employment history, or accepted income documents if you are self-employed.
Enough for the purchase, plus stamp duty and other costs.
Existing debts and living expenses that you can comfortably handle.
A clean record helps your options and approval chances.
Expected rent supported by a rental appraisal or lease.
A property type and location that fits the lender’s policy.
The property is bought to earn rental income, not to live in.
Eligibility criteria vary between lenders. Contact our team to discuss your situation.
Driver’s Licence or Passport.
Payslips, tax returns or financial statements.
Statements showing your income, savings, and financial commitments.
Details of existing loans, credit cards, investments, savings, and other assets.
Information confirming your available deposit and the source of funds.
A contract of sale, property address, or other relevant details when available.
Business financial statements, residency documents, or other supporting evidence where required.
Not sure what applies to you? Our team will tell you exactly what to gather.
Book a free, no-obligation consultation with Ricky and the team. Visit us at B6/406 Marion St, Condell Park, or call us Mon-Sat, 7:00am-5:00pm.
It depends on your income, expenses, existing debts, deposit or equity, and the property’s value and expected rental income. Each lender assesses these differently, so borrowing capacity can vary significantly between lenders. We’ll compare your options before you apply.
Often, yes. If you’ve built up equity, you may be able to borrow against it for a deposit and costs, subject to lender approval. We’ll structure it carefully so it supports your next purchase as well.
Interest-only repayments are lower for a set period, which can help cash flow, but you’re not paying down the loan and rates may be higher. Principal and interest repayments reduce your debt over time. The right choice depends on your strategy, and we recommend discussing tax effects with your accountant.
No. NSW first home buyer concessions generally apply to owner-occupied purchases, so investors should budget for standard stamp duty and other costs such as legal fees and inspections. We’ll help you plan these upfront.
Yes. Refinancing could give you a lower rate, better features or a structure that supports your next purchase. We’ll review your current loans and let you know whether a switch makes sense after considering any fees.