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HashChing is Australia’s first online marketplace allowing consumers to access great home loan deals without having to shop around. Completely FREE to consumers, HashChing connects you directly to verified mortgage brokers who can further negotiate a better rate from the lenders and save you time, hassle and money.

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LEZLI

2 years ago

Hi Xingmei, I can get these Investment rates for THIS WEEK - Variable Basic (no fees) 4.29%. Variable Basic package 4.32% Fixed 1 year 4.09%. 4.19% 2 yr, 4.29% 3 yr. 4.39% 5yr please contact me via my Profile page look forward to hearing from you. Kindest regards

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Jay

2 years ago

Hi Xingmei, your figures and current asset position look good on the outset to purchase a decent second investment property. However, we would like to explore more into your negative gearing benefits and other options available to you after knowing more specific details on your individual income and expenditure sides. Please contact us through HashChing to find out what best we can in your new investment scenario. Thanks! Jay

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Michael

2 years ago

Hi Xingmei, Cannot see any issues with your capacity to be able to purchase a second investment property. Rates would start at 3.59%. Cheers Michael

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Daniel

2 years ago

Hi Xingmei, Thanks for your enquiry. It looks like your are on the right track for your second investment. In order to determine how much you can borrow, I will need to have more details about the split of your combined income and whether you have any credit cards or other loans. I am based in Melbourne and I would be more than happy to work something out for you. We do have very good interest rate for investors for the moment. Please contact me. Regards, Daniel

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Morris

2 years ago

Hi Xingmei, You definitely qualify based on the information provided. it seems like you have many options, i operate from WA and can assist you obtaining a pre approval within 24-48 hours from lodgement. the rates start from 3.69% PA.

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kelvin

2 years ago

Thanks for the information - I have done a quick servicing calculation - based on some estimates for repayment $ and new investment needs and looks OK. There are options to borrow against your own home - at owner occupied rates from 3.78% and then the rest (depending on the investment $) on the new property. Assumptions (Split income to determine Need income - $63k and $40k - Rent $290 week - new property $420k + costs agains at $90 week. - estimated current repayments $3k month - nil credit cards) Happy to go through any changes and confirm your ability to obtain pre-approval and find your next investment.

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Ken

2 years ago

Hi, Xingmei, based on the information that you have provided, what you want to do seems feasible, however, I would like to complete a fact find, which would provide me with a better guide to your requirements, before providing you with a more detailed and definitive answer. You can find my contact details in my profile if you would like assistance. Regards, Ken

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Dominic

2 years ago

This is my field! I can help you get everything over the line in no time! Regards Dom

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Daxa

2 years ago

Contact me - looks like you should have no problems. Still need to assess your current situation.

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LEZLI

2 years ago

Hi Xingmei, From the information it appears extremely easy to get you, your new investment loan. I have some limited special deals- specifically for Investor. Please feel free to contact me via my Profile page and I can tell you more about them. Look forward to hearing from you. Kind regards

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Nayesh

2 years ago

Hi Xingmei Looks like it's possible. If you are based in Sydney please visit my profile and contact me if you wish to discuss this further.

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Peter

2 years ago

Hi Xingmei, sounds like it won't be an issue, I would obviously need to verify your documentation and could seek a pre approval for you. I'm based in Adeiade if you need further assistance. Regards Peter

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Denis

2 years ago

Xingmei, On face value this appears a very feasible option. The best way to go about it would be determined once we have a conversation anmd you completed a fact find which will give me an excellent guide to your requirements Please go to my profile to contact me direct and obtain a fact find Thanks Denis

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Kenneth

2 years ago

Xinmei, Good morning and thankyou for your question. I would be happy to look into you needs a little for your next property investment. You have certainly made great inroads with your existing Owner Occupied home. The level of your borrowing capacity will need to be determined based on a few other factors, for instance the expected rental of the next property, the value that you are targeting, do you have any cash that you will be putting toward the purchase and any other commitments/credit cards you may have. If you are in the Sydney region, then please select my profile and we can discuss further. All the best. Ken Olds

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Xavier

2 years ago

Hi Xingmei, That is very feasible however there a re few more parameters I would need to know before being able to let you know which lender / rate and strategy would suit best - please feel free to contact me directly if you want to pursue this with me - I have lots of experience in portfolio building and management so can cater for your buying strategy without an issue - Regards - Xavier

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Matthew

2 years ago

Hi Xingmei, investment property is something we specialise in! I am based in Brisbane but would recommend finding a broker close to you who specialises in investment lending as it is becoming a specialised area with all of the recent changes. Based on what you mentioned above, I can't see any reason why we couldn't use an investment line of credit on your owner occupied property to pull out the 20% deposit for the investment property. This way, 100% of the loans should be (disclaimer - check with your accountant) tax deductible as they are both for investment purposes. I would be happy to run through it with you in more detail. Click on my profile to contact me if you would like my assistance. Regards, Matt.

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