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Get an investor loan health check.


Could you improve the monthly cash flow of your investment property? 

With interest rates and the cost of living climbing, it’s a good time to check if you could ease the mortgage pressure on your investment property.

Request an investment loan health check  

Fill in your details below and one of our experienced brokers will be in touch to see what we could save you on your repayments. 

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Why you might qualify for a more competitive home loan 

Even though rates are up, there are a number of reasons you may be able to get a more competitive home loan deal. This could include:

  • Your property has increased in value.
  • Your loan-to-value ratio (LVR) has improved.
  • Your income or overall financial position is stronger.
  • Your credit profile has improved since you first took out the loan.
  • Another loan offering lower rates or better-suited features.
  • Restructuring your loan in a way that is more favourable to your situation. 

A broker could help you:

  • Negotiate with your current lender for a better rate.
  • Compare your loan to others to see if you could switch to a better deal.
  • Structure your loan to align with your long-term goals.
  • Devise a plan to reduce your monthly pressure or have a buffer for potential tenancy issues.
Get a quick loan review

Prepare now for potential Capital Gains Tax changes

The federal government has signalled that Capital Gains Tax (CGT) reform is under consideration, potentially impacting the current 50% discount for investors. Ensuring your cash flow and repayment strategy are optimised now is an important way to manage future tax uncertainty.

Find some more wriggle room

Reviewing your loan isn’t just about the interest rate; it’s about creating financial space for:

  • Property costs: Maintenance, repairs, and council rates.
  • Safety nets: Covering vacancies or unexpected expenses.
  • Personal freedom: Reducing household budget pressure at home.

 

A Loan Market broker can compare your options, negotiate with your current lender, and see if refinancing or restructuring can improve your cash flow today.

Get a quick loan review

Ray White and Loan Market work together to ensure great outcomes for buyers, sellers and landlords.