Investment Finance
At New Age Mortgage Brokers (NAMB), we believe investing shouldn’t feel overwhelming. Whether you’re purchasing your first investment property, growing a portfolio, or diversifying into new assets, we’re here to guide you with expert advice and smart finance options.
Build wealth and secure your financial future with tailored investment finance solutions
With flexible structures, competitive rates, and personalised support, our investment finance solutions are designed to help you build wealth, generate long-term returns, and achieve financial freedom.
Grow your property portfolio with ease
Buying a home is one of life’s most important milestones, and it deserves the right support. At New Age Mortgage Brokers, we take the time to understand your goals and guide you through the process with confidence. Whether you’re upsizing to a larger property, downsizing to something more manageable, or moving into a new location, we’ll make sure your finance works for your lifestyle and budget.
Traditional lenders often apply strict rules and criteria that can make approval difficult. Our role as your broker is to compare a wide range of lenders and products, finding solutions that are flexible enough to suit your situation. With expert advice and ongoing support, we’ll make the process of buying a home smoother and less stressful.
Expand into high-return opportunities
Commercial properties, including retail, office, and industrial spaces, can deliver strong yields and long-term security, but securing finance is often more complex. At NAMB, we specialise in structuring loans for commercial investments that balance risk and return. Whether you’re buying as an individual, through a company, or via a trust, we’ll guide you through lender requirements, lease considerations, and deposit structures. With our panel of lenders, you’ll gain access to competitive terms that make investing in commercial property more accessible.
Use your super to grow wealth through property
Self-Managed Super Funds (SMSFs) provide a powerful way to take control of your retirement savings. With an SMSF loan, you can purchase residential or commercial property using your superannuation balance. While SMSF lending comes with strict compliance requirements, our team at NAMB ensures everything is structured correctly and responsibly. From understanding contribution limits to navigating lender criteria, we’ll help you use your super effectively while keeping your retirement strategy on track.
Unlock equity in your existing assets
Already own property? You could be sitting on untapped potential. By refinancing and releasing equity from your current home or investment property, you can access funds to purchase additional assets or diversify into shares, managed funds, or other opportunities. At NAMB, we assess your property value, calculate available equity, and connect you with lenders who provide flexible refinancing solutions. This allows you to grow your investment portfolio without needing to start from scratch.
Finance beyond property
Not all investors want to focus solely on real estate. With access to a wide range of financial products, NAMB can help you secure funds for alternative investments such as managed funds, shares, or other wealth-building strategies. Diversifying your investments can balance risk, create multiple income streams, and provide more financial security for the future. We’ll guide you in structuring finance that complements your broader wealth strategy.
Take your first step with confidence
Getting started in investment can feel intimidating, especially when dealing with lenders, complex terms, and long-term strategies. That’s why NAMB offers specialised support for first-time investors. We’ll help you understand the basics of gearing, interest-only versus principal repayments, and how tax benefits may apply. More importantly, we’ll walk you through your options and provide access to investment loan products that suit your budget and long-term financial vision.
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Frequently Asked Questions – Investment Finance
At New Age Mortgage Brokers (NAMB), we understand that property investment is a big step, and with it comes a lot of questions. To make things easier, we’ve answered some of the most common queries investors have when it comes to financing their property goals.
How much can I borrow for an investment property?
The amount you can borrow for investment finance depends on several factors, including your income, expenses, existing debts, credit history, and the type of property you’re looking to purchase. Lenders will also look at your rental income and potential yields when assessing how much you can afford to borrow. Generally, you may be able to borrow up to 80–90% of the property’s value, though this varies by lender. Speaking with an experienced broker can give you a clearer picture of your borrowing capacity and help you plan your next steps with confidence.
What are the typical fees and charges involved?
Like all property finance, investment loans come with a combination of upfront and ongoing costs. These may include application and settlement fees, valuation charges, and sometimes lenders mortgage insurance if your deposit is below a certain threshold. You should also plan for legal fees, government duties, and ongoing property management expenses, as these can’t be added to your loan balance. Having a full understanding of the costs upfront helps ensure your investment remains financially sustainable in the long run.
How are investment loan interest rates determined?
Interest rates for investment finance are generally slightly higher than standard owner-occupied home loans, as lenders consider them to carry a higher level of risk. Your rate will depend on factors such as the loan-to-value ratio, your deposit size, your overall financial position, and the type of loan you select, such as principal and interest versus interest-only repayments. Market conditions and lender policies also influence rates. Comparing options across different lenders ensures you secure the most competitive rate available for your situation.
Do I need a large deposit for investment finance?
The size of the deposit required for an investment property depends on the lender’s policies and the type of property you want to buy. While some lenders may approve loans with as little as a 10% deposit, many prefer at least 20% to avoid additional costs such as lenders mortgage insurance. In addition to your deposit, you’ll also need to budget for stamp duty, legal costs, and other expenses that are payable at settlement and cannot be rolled into your loan.
What’s the difference between principal & interest and interest-only repayments?
With a principal and interest loan, your repayments go towards reducing both the original loan amount and the interest, helping you build equity over time. Interest-only loans, on the other hand, allow you to pay just the interest for a set period, which can free up cash flow in the short term but does not reduce the loan balance. Investors often use interest-only loans as a tax strategy or to maximise cash flow while managing multiple properties. Choosing the right repayment structure depends on your long-term goals, and speaking to a broker can help you determine which option suits your strategy.
Can I use equity in my existing property to invest?
Yes. Many investors use the equity they’ve built up in their home or existing investment property to fund the purchase of additional properties. Equity is calculated as the current market value of your property minus the amount you still owe on the mortgage. Depending on the lender and your financial circumstances, you may be able to borrow against this equity to use as a deposit or even to cover purchase costs. Leveraging equity can be a smart way to grow your portfolio, but it’s important to balance this with a sustainable repayment strategy.