Investment Home Loan

Investment loan expertise to guide your investment property portfolio.

When you want to buy an investment property, the first thing is for us to understand what your current financial situation is. 

That is, how are the banks going to look at your and will they be prepared to lend you the money that you need to invest in the property. 

Our tried-and-tested approach to getting the best investment property loan is one of the key reasons people choose us. We will review a range of different lenders on your behalf, to see who will be the most suitable (often it is not your current bank).

One of the factors we are looking at is a good property valuation, and these do vary significantly across lenders. This will give you access to more equity, and the option to spend more on an investment property. It may also mean that you can reduce the lenders’ mortgage insurance (LMI) payable, and also, you could get a lower interest rate.

We will guide you through from the start, to a successful outcome when your loan settles. We have long term relationships with all major lenders and with our expertise in banking policy, you can feel confident we have a good chance of getting your loans approved.

Best of all, we don’t charge you a fee to use our service as we are paid by the lender when your home loan settles.

Top 5 tips for taking out an investment property loan

Make sure your current home loan is optimally set up (you may need to refinance this first).

Consider a range of lenders to ensure you get a good property valuation.

Consider having different offset accounts for each investment property so you can easily track your income and expenses for each.

Make sure you understand the pros and cons of both types of repayments: principle and interest versus interest only.

Avoid cross- collateralising any of your loans (i.e. don’t link any of your properties together when applying for loans).

Step by step guide to buying an investment property

Here's our simple process to get a loan for your investment property.

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Accordion Content
Matthew Hahn
Matthew Hahn
2023-08-20
Highly recommend the team, we have had multiple dealings with them and it has always been easy. Jordan has been a pleasure to deal with.
Tarnie Hopf
Tarnie Hopf
2023-08-09
Highly recommend Kelston Capital for all your property needs. Incredibly professional to deal with, communication was above and beyond (thanks Matt), and by far the most efficient team that we have dealt with. A BIG shout out to Jordan, Matt, Sanjeena & Lilli for all of their hard work. Nothing was too difficult for these guys to manage. 10/10! Thank you for helping us secure our new home! Tarnie & Justin
Luke Ebneter
Luke Ebneter
2023-08-08
Having to work closely with lenders to have our overseas income recognised by the lender, the team at Kelston Capital, in particular Matt, put in an amazing amount to get our development loans approved. Matt's constant communication and refusal to take no for an answer was exactly what we needed.
Alexander Hurcombe
Alexander Hurcombe
2023-07-24
Kelston Capital provided fantastic service with easy to understand guidance and prompt and friendly responses. Couldn't recommend more highly!
Abby Coote
Abby Coote
2023-07-04
I highly recommend using these guys. Jackson & Sanjeena were amazing to deal with. They were super helpful and got back to me straight away with any questions I had. They made it very easy to do business with and they exceeded my expectations. They not only emailed back straight away but made the effort to ring me and explain things verbally. I will definitely be using them again in the future, they made the whole process super easy :)
Isaac Miller
Isaac Miller
2023-06-29
Jackson was fantastic to deal with, responded quickly and saved me 1% interest on my excising home loan. Would recommend highly to anyone. Couldn’t of asked for better service
Robyn Finau
Robyn Finau
2023-06-02
Great service from the team at Kelston! Thanks Jackson & Sanjeena for all your support. A+++!
Anthony Dunk
Anthony Dunk
2023-04-26
Great brokers for re-financing your home loan. Very professional and responsive. Highly recommended!
Kerry Paul
Kerry Paul
2023-03-31
What a fantastic team to have by my side. Jordan, Jackson, and Sanjeena, I can't thank you enough. Very professional and helpful throughout the whole process 👏, guiding me seamlessly through every step of the way. I thoroughly recommend Kelston Capital to all, and I look forward to the next project. Cheers legends 🙌
Danial Ibrahim
Danial Ibrahim
2023-03-30
Can not highly recommend these guys enough. They have made every experience smooth sailing.