Investment home loans.
Investing in property, with a clear plan.
Property investment can be a powerful way to build wealth, but it’s not always straightforward.
There are more decisions to make. Loan structures, repayments, equity, long-term strategy. And plenty of conflicting advice.
That’s where Dandy comes in.
You don’t need to have a full strategy mapped out before you get in touch. You just need to understand your options and what makes sense for you.
Getting the right structure from the start.
With investment loans, how things are set up matters.
The right structure can:
Give you more flexibility
Support future purchases
Make managing your finances easier
The wrong structure can be hard to unwind later.
We’ll help you set things up properly from the beginning, based on your goals, not a generic approach.
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Investment loans are different from owner-occupied loans in a few key ways.
Depending on your situation, you may need to consider:
Interest-only vs principal and interest repayments
Using equity from an existing property
Loan features like offset accounts
Borrowing capacity across multiple properties
How lenders assess investment income
We’ll walk you through these in plain English, so you understand what’s right for you.
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There’s no single path when it comes to property investment.
You might be:
Buying your first investment property
Using equity from your home to invest
Expanding an existing portfolio
Restructuring your loans to support future plans
Wherever you’re starting from, we’ll help you take the next step with clarity.
The process:
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1. Let's chat
We'll start with a conversation about your goals, answer your questions, and understand your situation. We’ll also get you to complete a questionnaire via email.
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2. Review options
We’ll shortlist up to three loan options for you to review. These will be based on the best rates, fee structure, facilities (such as redraw/offsets), and other factors to your circumstances. We can talk these through, and you can ask any questions.
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3. Apply for loan
Once you've chosen an option, we'll handle the application and work directly with the lender on your behalf. You’ll need to provide ID, payslips and other documentation.
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4. Pre-approval
If the bank approves our application, you'll be granted pre-approval for your loan. You can make an offer on a home with confidence, or even bid at an auction.
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5. Approval & Settlement
Once you’ve found your home, we work with your lender to make it all official. We’ll make sure your deposit is paid and your conveyancer has all the details for settlement.
FAQs.
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Yes. If your current property has increased in value, you may be able to use that equity as a deposit for your next purchase.
We’ll help you understand how much you can access and how to use it effectively.
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Interest-only loans keep your repayments lower in the short term, while principal and interest loans reduce your loan balance over time.
The right option depends on your strategy and goals, and we’ll help you decide what makes sense.
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Borrowing capacity depends on your income, expenses, existing loans and how lenders assess rental income.
We’ll break it down clearly so you understand your position.
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In some cases, yes. Investment loans can have slightly higher rates than owner-occupied loans.
We’ll compare lenders and options to find a competitive solution that suits your strategy.
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Yes. Structuring your loan correctly from the start can make it much easier to invest again in the future.
We’ll guide you through the right setup based on your long-term plans.
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No.
With Dandy, you’ll deal with the same person from your first question through to long after settlement.
Contact Dandy.
Fill out some info and we’ll be in touch shortly. Alternatively book a call or call Dandy directly on 0432 483 685.
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