INVESTMENT

Invest in your future...
Move forward with with the funding you desire

Investment Property Finance

With so many options for financing and refinancing investment properties, having a trusted investment loan specialist on your side is an invaluable asset, no matter whether it's your first investment property or you’re a seasoned pro.

Having the correct loan product structure and future planning are the key elements to success.

At Banctec Mortgages we provide specific investment loan advice and services for all local and foreign property investors.

Our specialists team have many years of experience in the mortgage industry, so get in touch with us today to find out more about how we can help you to move forward.

You will gain access to knowledge and experience you won’t find at a bank when you arrange

your investment loan with Banctec Mortgages.

Looking to invest in property?

Over the years, we’ve helped portfolio property investors, Australian expats, entrepreneurs, mums and dads, and countless others secure investment property loans.
We can help you with your investment dreams...

Buying an investment residential or commercial property is a great way to build your wealth and there are some great opportunities in Australia for property investment.

Whether you are a local resident, overseas citizen or an Australian citizen living and working overseas and looking to purchase property in Australia as a non-resident we have the options for you.

The Steps to buying an investment are essentially the same as the buying process for your own home.

When purchasing property, we recommend you assess your Borrowing Capacity and apply for a Loan Pre-Approval, so you know exactly where you stand in the marketplace.

Residential Property

Buying the right investment property can be quite daunting, that’s why Banctec Mortgages will first assess your Borrowing Capacity and apply for a Loan Pre-Approval, so you know exactly where you stand in the market place.

We can also, assist you with your investment property purchasing decisions by providing Property Research Reports, conduct a Property Investment Analysis (PIA) aiding with your choice of the preferred most tax affective property and recommend you to reputable Real Estate Agents.

Commercial Property

Commercial properties are favoured by some investors as they typically generate higher returns than residential properties, along with having other benefits such as longer leases.

Commercial property loan rates are often higher than for a normal home loan. Offering residential property like your home or rental property as security can help lower commercial property interest rates.

Unlike residential lending,, most lenders require borrowers to have a minimum contribution of 30% when applying for a commercial loan.

The sort of loan best suited to your needs will depend on whether you are buying commercial property as an investor or as a business owner.

Commercial property loans also have much shorter loan terms of between two and 15 years, compared with the 30-year terms of residential property loans.

Banctec Mortgages holds its own Australian Credit Licence giving us an advantage with accessing a wider range of lenders including banks, non-banks and private funders.

We can source commercial funders who can offer up to 25 year loan terms.
A great way to assit with cash flow...
Equity Release

You can often use some of your equity to make a purchase such as an investment property, dream holiday, new car or consolidate debts, even as a cash release.

Equity is the difference between the market value of your property and the amount you still owe on your home loan. You can often access this equity and use it to improve your lifestyle.

Unlocking the equity in your home could be an option if you were thinking about purchasing an investment property, as it could help with a deposit for that purchase. Investors may be able to negatively gear their property investments depending on their personal circumstances.
SMSF

Take control of your future with a superannuation loan...

If you have a self-managed super fund (SMSF), you may be eligible to borrow money to finance an investment property.

Having a Self Managed Superannuation Fund (SMSF) means you have direct control over where your money is invested. Investing superannuation funds into property is an increasingly popular and attractive way to plan for the future.
Once you’ve consulted with your financial planner or accountant, we’ll compare lending products suitable for your fund, guide you through the process, and help you long after settlement.

Benefit from clear, expert advice
Self Managed Superannuation Fund home loans are much more complicated than your average loan. Between government legislation and a multi-step application process, there is a lot to decipher and manage.

Our experience and qualifications makes Banctec Mortgages well placed in the industy for SMSF lending.

Foreign Investor

Banctec Mortgages are well placed in the market to be able to provide finance and assistance to foreign property buyers and investors.

"Make your overseas purchase a hassle-free process"...

Looking to buy property in Australia?

There are some great opportunities in Australia for property investment.

Whether you are an overseas citizen or an Australian citizen living and working overseas and looking to purchase property in Australia as a non-resident we have the options for you.

Banctec Mortgages is well-placed to be able to provide finance and assistance to foreign property buyers and investors.

With our direct access to an extensive range of lenders and private funders, we can always find a solution as opposed to ordinary banks and mortgage lenders who are simply not geared to be able to help.

Before you apply for one of our loans, you will first need to obtain permission to buy Australian property from the
'Foreign Investment Review Board' (FIRB)- details can be found on the Australian Treasury website.

It's a simple process that usually takes under three weeks.
How does the loan application process work?

We are here to help you to achieve your buying property process in Australia.

Obtaining your finance is relatively simple by contacting Banctec Mortgages.

Before you apply for one of our loans, you will first need to obtain permission to buy Australian property from the
Foreign Investment Review Board (FIRB)- details can be found on the Australian Treasury website.
It's a simple process that usually takes under three weeks.

Call us now on 1300 664 229 or +61 3 9510 8060 from outside of Australia or simply fill in our contact request form and we can help you apply for an investment property loan.

You can then send us the required documents so that we can verify your income, confirm your identity and make sure that you're eligible for a buy to let an investment mortgage.

We can then provide you with loan options and arrange the paperwork for you and seek an approval from the lender we have selected.
Our Service

We want to make your foreign investment property purchase a pleasant experience, that is why we will assist you from the initial contact stage all the way through to the settlement of your property.

To achieve this Banctec Mortgages liaises with your Real Estate Agent, Legal Representative, Lender (including the lenders legal representative) and any other professional involved in the purchase process, keeping you up to date with the evolving stages.

We can also assist by recommending a legal practitioner such as conveyancer's and lawyers who are experienced with foreign investors to streamline your purchase transaction smoothly for you.