Whether it's your first investment property or a portfolio, we're here to help

At Allymont Finance, we understand the significance of making informed decisions when it comes to investment loans. Whether you're eyeing your first investment property in Melbourne or expanding your investment property portfolio across Australia, our expertise in the property market ensures you have access to a wide range of investment loan options from banks and lenders nationwide. Investment loans can be complex, with various factors such as interest rates, lenders mortgage insurance (LMI), and loan to value ratio (LVR) coming into play. Our aim is to simplify this process, helping you turn your financial aspirations into reality.

When considering applying for an investment loan, understanding your borrowing capacity is crucial. The loan amount you qualify for is influenced by your credit history, income, and existing financial commitments. At Allymont Finance, we assist clients in assessing their financial situation to determine the most suitable investment loan options. We collaborate with banks and lenders to secure competitive interest rate discounts, ensuring you receive the best deal possible. Whether you prefer a variable interest rate or a fixed interest rate, we guide you through the choice that aligns with your financial strategy and future goals.

The application process for an investment loan involves several steps, including preparing bank statements and other documentation. With Allymont Finance, the often-overwhelming task of compiling these documents becomes a streamlined application process. We work closely with you to ensure all necessary paperwork is in order, reducing potential delays in securing your investment loan. Our experienced team is adept at calculating investment loan repayments, helping you understand how different variables impact your monthly outgoings and overall financial plan.

Another important aspect of investment loans is understanding costs like stamp duty and lenders mortgage insurance (LMI). These expenses can affect your overall investment budget. Our team provides insights into managing these additional costs effectively. Given the dynamic nature of the property market, especially in vibrant areas like Melbourne, staying informed about potential changes to stamp duty laws or interest rates is essential. At Allymont Finance, we keep you updated on these changes, ensuring your investments remain sound and profitable.

Investing in property requires careful consideration and a clear understanding of your options. Allymont Finance takes pride in offering a transparent and supportive approach to applying for an investment loan. Whether you're buying a home for investment purposes or building your property portfolio, our tailored services are designed to meet your individual needs. Trust us to provide the guidance necessary to make informed decisions that align with your financial goals.

Choosing Allymont Finance means choosing a partner committed to helping you access the best investment loan options available. Our team is here to support you through every phase of the investment loan application process. Reach out today to explore how we can assist in calculating investment loan repayments or to discuss interest rate options that best suit your needs. Your journey towards expanding your investment property portfolio begins with a single step—let us help you take it confidently.

Applying for Investment Loans with Allymont Finance

1. Understanding Your Needs

Every journey begins with a conversation. Mitchell Davies sits down with you to understand your property goals; whether that’s buying your first home, upgrading, investing, or seeking commercial finance. He takes a clear and structured look at your financial situation, including income, savings, liabilities, and credit history, to provide you with a realistic and tailored overview of the path ahead.

2. Financial Positioning

Once your goals are clear, Mitchell gathers supporting documentation, like payslips, bank statements, tax returns, and a breakdown of assets and liabilities, to assess your borrowing capacity. He factors in key lending elements such as LVR, interest rates, and potential LMI costs. You’ll also receive guidance on how to strengthen your financial position, where needed, to improve your approval chances.

3. Comparing Loan Options

With your position mapped out, Mitchell compares loan products from a panel of lenders across Australia. He helps you assess options like fixed vs variable interest rates, offset accounts, and package benefits - all while simplifying the jargon. You’ll clearly understand features, fees, repayment options, and how each product fits both your short-term goals and long-term financial strategy.

4. Pre-Approval Process

Now, with the right plan in place, Mitchell helps you apply for pre-approval, a key advantage in today’s competitive market. He ensures the correct documents are submitted, communicates directly with the lender, and manages any queries on your behalf. Pre-approval gives you confidence, clarity, and real buying power when inspecting or negotiating on a property.

5. Submitting the Loan Application

Once you’ve found the right property, Mitchell guides you through the formal loan application. All paperwork is reviewed and submitted promptly to the selected lender. He liaises directly with their credit teams to ensure your application progresses without unnecessary delays, keeping you informed every step of the way.

6. Loan Approval & Settlement

After your loan is formally approved, Mitchell will talk you through the loan agreement, helping you understand the terms, structure, and any added options like redraw or insurance. He then coordinates the settlement process between all parties, including the lender and conveyancer, ensuring the transition to property ownership is smooth and stress-free.

7. Finalising Ownership

On settlement day, your loan is advanced, and you officially take ownership. But Mitchell’s support doesn’t stop there. He remains available for any questions post-settlement, whether that’s help with structuring repayments, planning your next move, or reviewing your loan down the track. With Mitchell, it’s never a one-time transaction; it’s a long-term partnership.