Rated 5 from 5 Reviews
At Premier Path Finance, we understand the importance of securing the right investment loan when expanding your property portfolio. Whether you are buying your first investment property or adding to an existing one, selecting from various investment loan options can be pivotal in achieving your financial goals. Our expertise in accessing investment loan options from banks and lenders across Australia ensures you have the best possible support in navigating this journey. With many factors to consider, including interest rates and lenders mortgage insurance (LMI), our team is here to make the process smoother for you.
When applying for an investment loan, understanding your borrowing capacity is essential. We help you assess your financial situation and credit history, which are crucial components in determining how much you can borrow. The loan to value ratio (LVR) plays a significant role here, as it affects both the loan amount you can secure and whether LMI is applicable. Our experts guide you through these considerations, ensuring your investment loan application is well-prepared and meets the necessary criteria.
Interest rates are a key factor when selecting an investment loan. At Premier Path Finance, we provide insights into both fixed and variable interest rate options. A fixed interest rate offers stability with set repayments, while a variable interest rate allows for flexibility but may fluctuate according to market conditions. We assist in calculating investment loan repayments, helping you decide which option aligns with your financial strategy. Additionally, we seek interest rate discounts where possible, ensuring you secure the best deal available.
Understanding the investment loan application process can be challenging, but with a streamlined approach, we simplify it for you. Gathering necessary documents such as bank statements and proof of income is crucial to support your application. We also offer guidance on managing associated costs like stamp duty. Our deep knowledge of the property market allows us to offer insights that can influence your decision-making and improve your chances of loan approval.
For clients in Melbourne, Victoria, and across Australia, building an investment property portfolio requires strategic planning and the right financial products. Our comprehensive service ensures that applying for an investment loan is efficient and tailored to your needs. With our expertise, you can focus on what matters most—making informed decisions that benefit your long-term financial health.
Choosing Premier Path Finance means partnering with a team dedicated to supporting your investment journey. We summarise key points and provide a call to action for a seamless experience in selecting from various investment loan options. Contact us today to explore how we can assist in expanding your property portfolio with confidence.
“Every client’s journey is unique - whether you're buying your first home, refinancing for a better deal, or unlocking equity for future plans. Our lending process is designed to be simple, transparent, and tailored to your needs.”
Lending Process:
Step 1: Let’s Talk
We begin with a relaxed conversation to understand your goals - whether it’s buying property, restructuring your loan, or unlocking equity. We’ll explore your financial situation and outline lending options that suit your needs. You'll also get clarity on key concepts like interest rates, loan-to-value ratio (LVR), and lenders mortgage insurance (LMI), where relevant.
Step 2: Financial Snapshot
We assess your income, expenses, assets, and liabilities to determine your borrowing capacity. This helps us tailor a strategy that aligns with your goals and highlights any eligibility for lender discounts or government schemes.
Step 3: Smart Loan Matching
Based on your financial profile and objectives, we’ll curate a shortlist of loan options from trusted lenders. Whether you're after a lower rate, flexible features, or access to equity, we’ll explain the pros and cons of each option so you can make a confident decision.
Step 4: Pre-Approval or Loan Structuring
If you're purchasing, we’ll guide you through pre-approval to strengthen your position in the market. For refinances or top-ups, we’ll structure the loan to meet your goals and prepare the necessary documentation for submission.
Step 5: Formal Approval & Settlement
Once your loan is approved, we’ll walk you through the contract, clarify the terms, and coordinate with any third parties (e.g. solicitors or lenders) to ensure a smooth transition - whether it’s settlement, refinance, or equity release.
Step 6: Ongoing Support
Our relationship doesn’t end with approval. We’ll continue to support you with loan reviews, refinancing opportunities, and future lending needs. We’re here to help ensure your loan stays competitive and aligned with your evolving goals.
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Avril Southon
I recently worked with Luke to refinance my loans and couldn't be happier. He explained every step clearly and answered all my questions. I have a complex structure where I've struggled in the past with other brokers, but Luke understood it straight away and always came back to me quickly. Will definitely recommend him to others!
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Stephen
I recently had the pleasure of working with Michael Kirk, and I cannot recommend his services highly enough. From start to finish, the entire experience was smooth, efficient, and incredibly professional. He demonstrated exceptional knowledge of the market, provided clear and timely communication, and always had my best interests in mind. Whether it was answering questions, providing updates, guiding me through the process Michael went above and beyond at every step. What really stood out was the attention to detail and genuine commitment to delivering the best outcome possible.
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John Wilson
Exceptional service and expertise define the Premier Path Finance's approach, as they seamlessly guide clients through the complex world of home financing. With a keen understanding of market trends and a commitment to finding the best deals, this broker ensures a smooth and tailored experience for anyone navigating the mortgage process.
Mortgage brokers act as your dedicated advocate in finding the most suitable loan from our extensive network of lenders, including major banks, smaller institutions, credit unions, and alternative providers. With access to more loan products than any single lender offers, we handle all the research, comparison work, and negotiation to secure the best option for your specific needs while saving you valuable time and effort.
Yes, all our mortgage brokers hold proper accreditation and maintain active membership with the Finance Brokers Association of Australasia, ensuring they meet strict industry standards. They deliver professional, high-quality service across all types of lending solutions and participate in ongoing education to stay current with market changes and regulations.
We analyse loan products from banks, credit unions, and lenders nationwide, giving us access to thousands of options across the entire lending spectrum. This comprehensive approach, combined with our strong lender relationships, ensures we can recommend the most competitive home loan rates available to our clients and often negotiate even better terms.
The timeframe varies depending on the loan type, lender requirements, and your individual circumstances, but most standard applications are processed within 2-4 weeks from submission. We'll keep you informed at every stage of the process and work diligently to expedite your application wherever possible, including pre-approval options for faster property purchases.
Our mortgage broking services are typically free to borrowers, as we receive commission from lenders when loans settle successfully. We'll always be completely transparent about any fees that may apply and explain exactly how our remuneration works before you commit to working with us, ensuring there are no surprises along the way.
Our comprehensive lending services extend well beyond traditional home loans to include investment property loans, construction financing, vehicle loans, personal loans, business loans, and many other specialised lending products. Whatever you're looking to finance, whether it's your dream home, an investment opportunity, or a major purchase, we likely have a solution tailored to your circumstances.
Premier Path Finance Pty Ltd ABN: 69 684 858 802. Credit Representative #570775 is authorised under Australian Credit License #384704.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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