sign in Talk to a Broker

Investment

What is the loan type for me?

about the loans

Every investor and investment is unique, which is why it is imperative to review your situation before looking for your next investment property finance. If this isn’t your first property, it is highly likely that we will look to utilise equity in your current property so we will need to dissect every avenue.

WE DO THE WORK FOR YOU!

Choose from 30+ lenders to access better rates and more

BUILDING RELATIONSHIPS NOW FOR TOMORROW.

Your trusted finance team through your unique journey

We will review up to 50 different lenders and see who are the most suitable for your current and future financial goals. Different lenders have different risk measurements and we always find valuations changing between bank to bank. The variance between valuations can mean substantial financial differences, especially when factoring LMI (lenders mortgage insurance) into the equation.

We’re professionals and we’ve done this many times before. We will help you from the beginning to the end and everything in between. With our experience in banking, lending and policy as an accountant and financial planner, there hasn’t been a situation we have not overcome.

We’re remunerated from the lender when your loan settles, which means we do not have to charge you a fee for our service

Top 5 tips to look out for with an investment property loan:

  1. Ensure your existing loans are the best for you (we will review this as part of the process)
  2. Don’t just go to one lender (ensure you shop the deal, consider alternative valuations too)
  3. Under your current and proposed loans (what you’re getting and what you’re not)
  4. Keep things separate! (offset accounts & avoid cross-collateralizing)
  5. Start the discussions with your broker as soon as possible.

It’s never ‘too early’ to begin these discussions. I couldn’t stress hard enough the importance of good preparation. So many times clients have phoned me to rush through a deal when they knew months beforehand that they were considering buying another property. As soon as it becomes a thought, get in touch and let’s talk some strategy.

getting into it with these tools and guides

Choosing from over 2,500 different home loan options means you can find the right loan for your individual needs. Plus, our experts will negotiate on your behalf to get you the best deal possible.

getting approved for home loan

Whether you’re planning on selling your home soon, refinancing your home loan, looking for investment home financing or are simply curious about how much your home is worth, appraisals and valuations can provide a lot of insight. We’ll explain what the difference is between a property appraisal and a formal valuation, as well how to increase your home’s value.

A property appraisal is essentially an estimate of your home’s value conducted by a real estate agent. Agents will compare your property

A big thank you, to Shaun and Brodie for helping us get our fovever home. This was a very scary process for us and very confusing, you guys helped so much, with your support, patience and guidance. I would highly recommend these guys/company.
Coleen Holender Avatar
Coleen Holender
5/20/2022
01. We get to know each other

Tell us a bit about yourself, your needs and home loan preferences. We’ll ask about your income, expenses, credit history, employment history and any current loans. You can complete this in your own time. Your application will be securely saved and waiting for you.

02. We find the right loan for your circumstances

Tell us a bit about yourself, your needs and home loan preferences. We’ll ask about your income, expenses, credit history, employment history and any current loans. You can complete this in your own time. Your application will be securely saved and waiting for you.

03. We do the work and settle your loan

Tell us a bit about yourself, your needs and home loan preferences. We’ll ask about your income, expenses, credit history, employment history and any current loans. You can complete this in your own time. Your application will be securely saved and waiting for you.

04. We keep looking after you

Tell us a bit about yourself, your needs and home loan preferences. We’ll ask about your income, expenses, credit history, employment history and any current loans. You can complete this in your own time. Your application will be securely saved and waiting for you.

common home loan questions

How much does it cost to use the Fundd service?

It usually costs you nothing to use fundd to get your loan. This is because we are paid by the lender with who we align you with.

In nearly all refinances, we save you a ton of money and improve your financial situation. You literally make money from us working for you.

How is this possible? The lender’s profit share with us. They opt to do this as we do all the leg work and introduce you to them. This means the lender does not need to pay for home loan writers of their own and the administrative tasks stay with Fundd ongoing too.

In rare circumstances, we need to charge a fee. If this is the case we will tell you upfront why and how much this fee will be. A fee is usually systemic of a complex lending situation.

How much can I borrow?

Head over to our calculator’s page and check them out! We have the best calculators in the business. These, of course, are not a reflection of individual banks borrowing assessments.

We can complete an accurate borrowing assessment after you fill out the client centre and we get to know you better!

How do I get started?

You can start with either questionnaire on the home page, talking to us via our chat widget, email or phone us 🙂

Do I need a conveyancer?

Yes. Whether you’re buying or selling you will need one. Contact us and we will gladly recommend a professional based on your situation.

We do not get paid for our conveyancer recommendations or share any commission payments with any of our legal professionals.

How much is stamp duty?

Head over to our calculators page and use our stamp duty calculator! We have the best calculators in the business.

 

What discounts do first home buyers receive?

You may be eligible for stamp duty rebates, first home buyers grants, or other government schemes. It will depend on what state you are in. It is best to contact us and we will let you know!

What states do you help with loans?

Australia wide. We have offices in QLD & WA and we plan to open offices in other states very soon.

Irrespective of where we are located physically, we can connect with you from our office or home-based office and assist with any of your Australian lending needs!

Do I have to see you in person?

Definitely not. The coronavirus completely changed the way we did business. Although you will see us face to face at some stage, it will usually be done via google meets, zoom or skype!

We can still cater for an in-person meeting. It is best to call, chat first and then we will arrange a time that suits you!

Do I need to submit paperwork to get a loan?

Yes absolutely! Would you give someone a loan without getting to know them?

We will only collect the information we need. The information will be sensitive and personal so we will definitely take great care of it.

We do not want any physical documents sent to us as we will not return them back to you. Please only send us soft copies as part of the fact find through our client centre.

We utilize Cashdeck to securely collect your bank statements and our CRM Mercury will store all your personal information. Head over to our privacy policy and have a read.

Will you send a recommendation?

We’ll crunch all the data and make a recommendation that we believe best serves you.

We will send you a compliance document outlining why we recommended it and how it meets your needs!

At any time if you are unhappy with the recommendation, contact your broker or team@fundd.com.au and we will review it!

We’re here to help

Our experts will help you search, choose and settle your home loan. Chat to one of our Home Loan Specialists at a time that suits you.